Happy Valley Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 16.6 and a net worth ratio of 16.6. A current level of 0.4 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Good liquidity 6.9, driven by a liquidity ratio of 24.7 percent and a “hot money” ratio of 1.7 percent. Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.2 has resulted in Good (6.9) profitability.
Asset Mix:
Consumer loans (21%), home mtgs (1%), other (78%)
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
210 East C Street
Elizabethton, TN 37643
Elizabethton, TN 37643
Phone Number
(423) 542-6078
NCUA Charter Number
Website
Largest Competitors
Kingsport, TN
Knoxville, TN
Tullahoma, TN
Oak Ridge, TN
Elizabethton, TN