EPB Employees Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 25.1 percent of nonperforming loans to core capital combined with 28.9 percent from a year earlier contributes to the Fair asset quality (3.7). Good liquidity 5.4, driven by a liquidity ratio of 27.6 percent and a “hot money” ratio of 5.3 percent.
Asset Mix:
Consumer loans (24%), home mtgs (14%), other (62%)
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
1500 McCallie Avenue
Chattanooga, TN 37404
Chattanooga, TN 37404
Phone Number
(423) 648-3413
NCUA Charter Number
Website
Largest Competitors
Chattanooga, TN
Chattanooga, TN
Chattanooga, TN
Chattanooga, TN
Chattanooga, TN
