Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.8 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.1, driven by a liquidity ratio of 25.9 percent and a “hot money” ratio of 10.6 percent. A current level of 14.3 percent of nonperforming loans to core capital combined with 14.3 percent from a year earlier contributes to the Fair asset quality (4.9).
Asset Mix:
Home mtgs (30%), consumer loans (17%), securities (12%), other (41%)
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
215 Centerview Drive
Brentwood, TN 37027
Brentwood, TN 37027
Phone Number
(615) 251-2089
NCUA Charter Number
Website
Largest Competitors
Kingsport, TN
Knoxville, TN
Tullahoma, TN
Oak Ridge, TN
Brentwood, TN