Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (1.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Weak (2.7) profitability.
Other Rating Factors:
A current level of 15.2 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Fair asset quality (4.1). Fair liquidity 4.7, driven by a liquidity ratio of 25.9 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (56%), other (44%)
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
935 Wayne Road
Savannah, TN 38372
Savannah, TN 38372
Phone Number
(731) 926-8420
NCUA Charter Number
Largest Competitors
Kingsport, TN
Knoxville, TN
Tullahoma, TN
Oak Ridge, TN
Chattanooga, TN