Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.9 and a net worth ratio of 11.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 17.5 percent of nonperforming loans to core capital contributes to the Good asset quality (5.0). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.6 has resulted in Fair (4.9) profitability.
Asset Mix:
Consumer loans (29%), home mtgs (27%), comm loans (1%), other (43%)
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
Largest Competitors
Nashville, TN
Nashville, TN
Nashville, TN
Nashville, TN
Nashville, TN