Consumer Credit Union
Major Rating Factors:
A current level of 1.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.9 on a scale of 0 to 10) based on a net capital to total assets of 9.4 and a net worth ratio of 10.6. Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.1 has resulted in Good (5.6) profitability.
Asset Mix:
Home mtgs (42%), comm loans (21%), consumer loans (8%), other (29%)
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
3634 East Andrew Johnson Highway
Greeneville, TN 37745
Greeneville, TN 37745
Phone Number
(423) 639-6131
NCUA Charter Number
Website
Largest Competitors
Kingsport, TN
Knoxville, TN
Greeneville, TN
Greeneville, TN
Greeneville, TN