Major Rating Factors:
A current level of 6.5 percent of nonperforming loans to core capital combined with 6.4 percent from a year earlier contributes to the Excellent asset quality (7.5). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.0 has resulted in Good (6.5) profitability.
Other Rating Factors:
Good current capitalization (6.4 on a scale of 0 to 10) based on a net capital to total assets of 8.9 and a net worth ratio of 9.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Consumer loans (34%), securities (13%), home mtgs (13%), other (40%)
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
5123 Highway 11 South
Calhoun, TN 37309
Calhoun, TN 37309
Phone Number
(423) 336-7268
NCUA Charter Number
Website
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