Memorial Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 5.1, driven by a liquidity ratio of 25.7 percent and a “hot money” ratio of 0.0 percent. A current level of 4.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.2).
Asset Mix:
Consumer loans (50%), other (50%)
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
6800 Longview Road
Chattanooga, TN 37421
Chattanooga, TN 37421
Phone Number
(423) 855-1770
NCUA Charter Number
Largest Competitors
Chattanooga, TN
Chattanooga, TN
Chattanooga, TN
Chattanooga, TN
Chattanooga, TN