Employee Resources Credit Union
| Weiss Ratings |
Employee Resources Credit Union
Lawrenceburg, TN |
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| Rating | ||||
| Asset Quality Index | 5.90 | |||
| Capitalization Index | 6.80 | |||
| Liquidity Index | 3.40 | |||
| Profitability Index | 5.00 | |||
| Stability Index | 5.50 | |||
| Company Info |
Employee Resources Credit Union
Lawrenceburg, TN |
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| NCUA Charter Number | 5968 | |||
| Phone Number | (931) 766-9288 | |||
| Website | www.ercu.org/ | |||
| Asset Quality |
Employee Resources Credit Union
Lawrenceburg, TN |
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| 1-Year Asset Growth | 11.61% | |||
| 5-Year Asset Growth | 12.87% | |||
| 5-Year Charge-Offs to Average Loans | 0.46% | |||
| Charge-Offs to Average Loans | 0.69% | |||
| Non-Performing Assets to Assets | 0.78% | |||
| Non-Performing Loans to Capital | 7.88% | |||
| Non-Performing Loans to Loans | 1.00% | |||
| Balance Sheet |
Employee Resources Credit Union
Lawrenceburg, TN |
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| Total Assets | 178.62M | |||
| Total Deposits | 162.11M | |||
| Capital and Reserves |
Employee Resources Credit Union
Lawrenceburg, TN |
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| Capital | 16.45M | |||
| Leverage Ratio | 9.21 | |||
| Loan Loss Reserves to Loans | 0.82% | |||
| Liquidity |
Employee Resources Credit Union
Lawrenceburg, TN |
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| Hot Money Ratio | 17.80% | |||
| Liquidity Ratio | 19.70% | |||
| Profitability |
Employee Resources Credit Union
Lawrenceburg, TN |
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| 5-Year Return on Average Assets | 0.88% | |||
| Net Income | 403.00K | |||
| Net Interest Spread | 3.88% | |||
| Operating Profit to Average Assets | 1.17% | |||
| Overhead Efficiency Ratio | 74.55% | |||
| Return on Assets | 0.45% | |||
| Return on Equity | 4.97% | |||