Major Rating Factors:
Operating profits as a percentage of assets at 3.5%, coupled with a return on assets of 1.8 has resulted in Fair (4.4) profitability. A current level of 21.5 percent of nonperforming loans to core capital combined with 24.3 percent from a year earlier contributes to the Fair asset quality (3.7).
Other Rating Factors:
Excellent current capitalization (7.6 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 0.0. Fair liquidity 4.6, driven by a liquidity ratio of 31.0 percent and a “hot money” ratio of 22.5 percent.
Asset Mix:
Consumer loans (32%), home mtgs (27%), other (41%)
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