Production (Stage)
Trust Federal Credit Union
Major Rating Factors:
Excellent current capitalization (7.1 on a scale of 0 to 10) based on a net capital to total assets of 9.5 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.5 has resulted in Good (6.2) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10). A current level of 21.5 percent of nonperforming loans to core capital combined with 21.5 percent from a year earlier contributes to the Fair asset quality (3.7).
Asset Mix:
Home mtgs (28%), consumer loans (25%), securities (4%), other (44%)
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
555 Walnut Street
Chattanooga, TN 37402
Chattanooga, TN 37402
Phone Number
(423) 870-7610
NCUA Charter Number
Website
Largest Competitors
Chattanooga, TN
Chattanooga, TN
Chattanooga, TN
Chattanooga, TN
Chattanooga, TN