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 (5.0 on a scale of 0 to 10). A current level of 14.0 percent of nonperforming loans to core capital combined with 16.7 percent from a year earlier contributes to the Good asset quality (5.0).
Other Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a net capital to total assets of 10.6 and a net worth ratio of 10.6. Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Good (6.0) profitability.
Asset Mix:
Consumer loans (29%), home mtgs (24%), other (47%)
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
4230 Harding Road
Nashville, TN 37205
Nashville, TN 37205
Phone Number
(615) 292-7828
NCUA Charter Number
Website
Largest Competitors
Nashville, TN
Nashville, TN
Nashville, TN
Nashville, TN
Nashville, TN