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 (3.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 12.5 percent of nonperforming loans to core capital contributes to the Good asset quality (5.1). Excellent current capitalization (7.1 on a scale of 0 to 10) based on a net capital to total assets of 9.5 and a net worth ratio of 9.5.
Asset Mix:
Consumer loans (38%), home mtgs (0%), other (62%)
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