Major Rating Factors:
A current level of 13.2 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.2 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (7.0 on a scale of 0 to 10) based on a net capital to total assets of 9.4 and a net worth ratio of 9.4. Fair liquidity 3.1, driven by a liquidity ratio of 16.3 percent and a “hot money” ratio of 14.2 percent.
Asset Mix:
Consumer loans (68%), home mtgs (6%), comm loans (2%), other (24%)
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
4503 Hixson Pike
Hixson, TN 37343
Hixson, TN 37343
Phone Number
(423) 875-6955
NCUA Charter Number
Website
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