Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 21.5 and a net worth ratio of 21.5. A current level of 2.7 percent of nonperforming loans to core capital combined with 2.3 percent from a year earlier contributes to the Excellent asset quality (9.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10). Good liquidity 6.1, driven by a liquidity ratio of 50.6 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (38%), home mtgs (4%), other (57%)
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
3443 Dickerson Pike
Nashville, TN 37207
Nashville, TN 37207
Phone Number
(615) 345-3471
NCUA Charter Number
Largest Competitors
Nashville, TN
Nashville, TN
Nashville, TN
Nashville, TN
Nashville, TN