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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 March 31, 2015
Credit Union ID 60056




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$364,759$356,163$333,401
Loans Receivable, Net266,605262,177237,611
Investments57,95249,48959,208
Shares & Deposits323,818315,615295,033
Borrowings000
Equity39,34938,80735,849
Net Income3671,9582,918
Ratio Analysis Capitalization%%%
Net Capital / Assets10.7910.9010.75
Capital / Assets11.0911.1911.04
Asset Quality%%%
Nonperforming Assets / Assets0.100.190.24
Nonperforming Assets / Equity & Loss Reserves0.921.652.15
Loss Reserves / Nonperforming Loans951.11232.46201.7
Credit Card Loans / Assets0.500.550.63
Earnings%%%
Return on Assets *0.500.560.87
Efficiency Ratio84.3280.8174.34
Overhead / Assets *2.512.542.67
Liquidity%%%
Loans / Deposits82.3383.0780.54
Cash + Equivalents / Assets18.5817.8318.86

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