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SAFE & SOUND® STAR RATINGS

CONSUMER

3634 E Andrew Johnson Hwy
Greeneville, TN 37745

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2014
Credit Union ID 60056




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$356,163$333,401$283,218
Loans Receivable, Net262,177237,611177,050
Investments49,48959,20873,925
Shares & Deposits315,615295,033248,260
Borrowings000
Equity38,80735,84932,545
Net Income1,9582,9183,066
Ratio Analysis Capitalization%%%
Net Capital / Assets10.9010.7511.49
Capital / Assets11.1911.0411.80
Asset Quality%%%
Nonperforming Assets / Assets0.190.240.03
Nonperforming Assets / Equity & Loss Reserves1.652.150.22
Loss Reserves / Nonperforming Loans232.46201.71210.73
Credit Card Loans / Assets0.550.630.42
Earnings%%%
Return on Assets *0.560.871.10
Efficiency Ratio80.8174.3466.33
Overhead / Assets *2.542.672.35
Liquidity%%%
Loans / Deposits83.0780.5471.32
Cash + Equivalents / Assets17.8318.8627.61

* Calculations are based on the latest four quarters of income and expense.
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