Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Good (5.0) profitability.
Other Rating Factors:
Weak liquidity 1.9, driven by a liquidity ratio of 6.1 percent and a “hot money” ratio of 5.4 percent. A current level of 4.0 percent of nonperforming loans to core capital combined with 3.3 percent from a year earlier contributes to the Good asset quality (6.0).
Asset Mix:
Consumer loans (68%), home mtgs (1%), other (31%)
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
13690 Highway 51 South
Atoka, TN 38004
Atoka, TN 38004
Phone Number
(901) 837-0431
NCUA Charter Number
Website
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