Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.3 has resulted in Fair (4.1) profitability.
Other Rating Factors:
A current level of 5.4 percent of nonperforming loans to core capital combined with 5.4 percent from a year earlier contributes to the Excellent asset quality (7.7). Good current capitalization (5.6 on a scale of 0 to 10) based on a net capital to total assets of 8.0 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (44%), home mtgs (12%), other (44%)
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
220 South Royal Oaks Boulevard
Franklin, TN 37064
Franklin, TN 37064
Phone Number
(615) 465-5500
NCUA Charter Number
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