Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 8.8%, coupled with a return on assets of 8.8 has resulted in Good (6.0) profitability.
Other Rating Factors:
A current level of 7.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.4). Excellent liquidity 7.5, driven by a liquidity ratio of 73.8 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (29%), comm loans (1%), other (70%)
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
1605 Jefferson Street
Nashville, TN 37208
Nashville, TN 37208
Phone Number
(615) 321-4622
NCUA Charter Number
Website
Largest Competitors
Nashville, TN
Nashville, TN
Nashville, TN
Nashville, TN
Nashville, TN