Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 22.2 and a net worth ratio of 0.0. A current level of 3.2 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Excellent asset quality (8.8).
Other Rating Factors:
Good liquidity 6.3, driven by a liquidity ratio of 42.7 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.7 has resulted in Good (6.2) profitability.
Asset Mix:
Consumer loans (36%), home mtgs (4%), other (60%)
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