OMC Employees Credit Union
Major Rating Factors:
A current level of 1.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.1). Excellent current capitalization (8.9 on a scale of 0 to 10) based on a net capital to total assets of 10.8 and a net worth ratio of 10.8.
Other Rating Factors:
Good liquidity 5.8, driven by a liquidity ratio of 42.2 percent and a “hot money” ratio of 9.5 percent. Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Fair (4.8) profitability.
Asset Mix:
Consumer loans (21%), home mtgs (18%), securities (7%), other (53%)
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
1186 Lower River Drive Road Northwest
Charleston, TN 37310
Charleston, TN 37310
Phone Number
(423) 336-4331
NCUA Charter Number
Website
Largest Competitors
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