Major Rating Factors:
Fair current capitalization (5.0 on a scale of 0 to 10) based on a net capital to total assets of 7.3 and a net worth ratio of 7.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.9 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Excellent asset quality (8.5). Weak liquidity 2.4, driven by a liquidity ratio of 14.2 percent and a “hot money” ratio of 16.6 percent.
Asset Mix:
Home mtgs (31%), securities (26%), consumer loans (22%), other (21%)
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
1400 Eighth Avenue South
Nashville, TN 37203
Nashville, TN 37203
Phone Number
(844) 468-3628
NCUA Charter Number
Website
Largest Competitors
Nashville, TN
Nashville, TN
Nashville, TN
Nashville, TN
Nashville, TN