Major Rating Factors:
A current level of 27.3 percent of nonperforming loans to core capital combined with 27.3 percent from a year earlier contributes to the Fair asset quality (3.4).
Other Rating Factors:
Fair liquidity 3.3, driven by a liquidity ratio of 17.9 percent and a “hot money” ratio of 20.9 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.5 on a scale of 0 to 10).
Asset Mix:
Consumer loans (40%), home mtgs (28%), other (32%)
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
1450 Union University Drive
Jackson, TN 38305
Jackson, TN 38305
Phone Number
(731) 668-1155
NCUA Charter Number
Website
Largest Competitors
Kingsport, TN
Knoxville, TN
Jackson, TN
Jackson, TN
Jackson, TN