Major Rating Factors:
A current level of 0.7 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (10.0). Excellent current capitalization (8.7 on a scale of 0 to 10) based on a net capital to total assets of 10.7 and a net worth ratio of 10.8.
Other 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 (4.8 on a scale of 0 to 10). Fair liquidity 4.3, driven by a liquidity ratio of 26.5 percent and a “hot money” ratio of 12.4 percent.
Asset Mix:
Home mtgs (37%), consumer loans (20%), other (43%)
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
1201 North Eastman Road
Kingsport, TN 37664
Kingsport, TN 37664
Phone Number
(423) 530-7778
NCUA Charter Number
Website
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