Hurd Employees Credit Union
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 3.5%, coupled with a return on assets of 3.5 has resulted in Good (5.1) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 34.0 and a net worth ratio of 34.0. A current level of 1.6 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Excellent asset quality (8.5).
Asset Mix:
Consumer loans (48%), other (52%)
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
200 West Church Street
Greeneville, TN 37745
Greeneville, TN 37745
Phone Number
(423) 639-4371
NCUA Charter Number
Largest Competitors
Kingsport, TN
Knoxville, TN
Greeneville, TN
Greeneville, TN
Greeneville, TN