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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, 2015
Credit Union ID 60056




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$369,969$356,163$333,401
Loans Receivable, Net268,552262,177237,611
Investments52,35849,48959,208
Shares & Deposits325,967315,615295,033
Borrowings1,95400
Equity40,60238,80735,849
Net Income1,7871,9582,918
Ratio Analysis Capitalization%%%
Net Capital / Assets10.9710.9010.75
Capital / Assets11.2711.1911.04
Asset Quality%%%
Nonperforming Assets / Assets0.090.190.24
Nonperforming Assets / Equity & Loss Reserves0.831.652.15
Loss Reserves / Nonperforming Loans582.3232.46201.7
Credit Card Loans / Assets0.500.550.63
Earnings%%%
Return on Assets *0.490.560.87
Efficiency Ratio82.9380.8174.34
Overhead / Assets *2.452.542.67
Liquidity%%%
Loans / Deposits82.3983.0780.54
Cash + Equivalents / Assets18.7117.8318.86

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