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 0.3%, coupled with a return on assets of 0.3 has resulted in Fair (3.5) profitability.
Other Rating Factors:
Weak liquidity 2.3, driven by a liquidity ratio of 14.3 percent and a “hot money” ratio of 0.0 percent. Fair current capitalization (3.6 on a scale of 0 to 10) based on a net capital to total assets of 5.9 and a net worth ratio of 7.4.
Asset Mix:
Consumer loans (60%), home mtgs (4%), comm loans (1%), other (35%)
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
2751 Ralph Buckner Boulevard
Cleveland, TN 37311
Cleveland, TN 37311
Phone Number
(423) 479-2168
NCUA Charter Number
Website
Largest Competitors
Kingsport, TN
Cleveland, TN
Cleveland, TN
Cleveland, TN
Cleveland, TN