Family Advantage Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.0 has resulted in Weak (2.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.0). Good liquidity 6.8, driven by a liquidity ratio of 50.8 percent and a “hot money” ratio of 11.0 percent.
Asset Mix:
Consumer loans (28%), home mtgs (4%), other (68%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
100 Stephen P. Yokich Parkway
Spring Hill, TN 37174
Spring Hill, TN 37174
Phone Number
(931) 486-3125
NCUA Charter Number
Website
Largest Competitors
Kingsport, TN
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