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 (2.3 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 6.8, driven by a liquidity ratio of 59.9 percent and a “hot money” ratio of 0.0 percent. Excellent current capitalization (7.5 on a scale of 0 to 10) based on a net capital to total assets of 9.8 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (35%), home mtgs (0%), other (65%)
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
1075 Blythe Avenue, SE
Cleveland, TN 37311
Cleveland, TN 37311
Phone Number
(423) 559-1181
NCUA Charter Number
Largest Competitors
Kingsport, TN
Cleveland, TN
Cleveland, TN
Cleveland, TN
Cleveland, TN