TVA Community Credit Union
Major Rating Factors:
A current level of 1.2 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (10.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.7 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.0 on a scale of 0 to 10) based on a net capital to total assets of 8.4 and a net worth ratio of 16.6. Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.1 has resulted in Good (5.7) profitability.
Asset Mix:
Consumer loans (15%), home mtgs (14%), other (70%)
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
1405 South Wilson Dam Road
Muscle Shoals, AL 35661
Muscle Shoals, AL 35661
Phone Number
(256) 383-1019
NCUA Charter Number
Website
Largest Competitors
Huntsville, AL
Birmingham, AL
Daleville, AL
Muscle Shoals, AL
Muscle Shoals, AL