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 (5.0 on a scale of 0 to 10). Excellent current capitalization (9.2 on a scale of 0 to 10) based on a net capital to total assets of 11.0 and a net worth ratio of 11.3.
Other Rating Factors:
A current level of 3.0 percent of nonperforming loans to core capital combined with 3.5 percent from a year earlier contributes to the Excellent asset quality (9.2). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.7 has resulted in Excellent (9.2) profitability.
Asset Mix:
Home mtgs (42%), consumer loans (30%), other (28%)
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
221 South Rutgers Avenue
Oak Ridge, TN 37830
Oak Ridge, TN 37830
Phone Number
(865) 688-9555
NCUA Charter Number
Website
Largest Competitors
Kingsport, TN
Knoxville, TN
Oak Ridge, TN
Oak Ridge, TN
Oak Ridge, TN
