Employee Resources Credit Union
Major Rating Factors:
Good current capitalization (6.6 on a scale of 0 to 10) based on a net capital to total assets of 9.0 and a net worth ratio of 0.0. A current level of 7.0 percent of nonperforming loans to core capital combined with 4.8 percent from a year earlier contributes to the Good asset quality (6.2).
Other 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 (5.2 on a scale of 0 to 10). Fair liquidity 3.8, driven by a liquidity ratio of 23.0 percent and a “hot money” ratio of 19.0 percent.
Asset Mix:
Consumer loans (53%), home mtgs (14%), other (33%)
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
2135 North Locust Avenue
Lawrenceburg, TN 38464
Lawrenceburg, TN 38464
Phone Number
(931) 766-9288
NCUA Charter Number
Website
Largest Competitors
Kingsport, TN
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