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). A current level of 17.4 percent of nonperforming loans to core capital contributes to the Good asset quality (6.5).
Other Rating Factors:
Excellent current capitalization (8.6 on a scale of 0 to 10) based on a net capital to total assets of 10.6 and a net worth ratio of 10.6. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.6 has resulted in Excellent (7.6) profitability.
Asset Mix:
Consumer loans (17%), other (83%)
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
10000 Woodland Hills Drive
Cordova, TN 38018
Cordova, TN 38018
Phone Number
(901) 454-7777
NCUA Charter Number
Largest Competitors
Kingsport, TN
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Cordova, TN
Cordova, TN