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Overview / Commentary
423-282-0671
P.O. Box 3750
Johnson City, TN 37602

Johnson City Credit Union is headquartered in JOHNSON CITY and is the 52nd largest credit union in the state of Tennessee. It is also the 2,460th largest credit union in the nation. It was established in 1949 and as of December of 2013, it had grown to 21 employees and 7,650 members. Johnson City Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Washington County, Tennessee. - See Details

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Health

Data for Q4 2013

Institution Health

B+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Johnson City Credit Union has a low asset base.

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Johnson City Credit Union had $164,000 in non-current loans and owned real-estate with $5.94 million in equity and loan loss allowances on hand to cover it. This gives Johnson City Credit Union a Texas Ratio of 2.76% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Johnson City Credit Union experienced no significant changes from 2.25% as of December 31, 2012 to 2.76% as of December 31, 2013, resulting in a negative change of 23.04%. This indicates that the balance sheet and financial strength for Johnson City Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Johnson City Credit Union has increased its total deposits by $3.37 million, resulting in 9.95% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Johnson City Credit Union has shown is excellent.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Johnson City Credit Union has $42.85 million in assets with $5.94 million in equity, resulting in a capitalization level of 13.86%, which is excellent.

Institution Statistics

Overall
NCUA #6079
Year Chartered1949
Employees21
Primary Regulator
Assets and Liabilities
Assets$42.85 million
Loans$33.65 million
Deposits$37.24 million
Equity Capital$5.41 million
Loan Loss Allowance$532,000
Unbacked Noncurrent Loans$164,000
Real Estate Owned$0
Historic Data - December 2012
Assets$38.97 million
Equity Capital$4.93 million
Loan Loss Allowance$723,000
Unbacked Noncurrent Loans$164,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.26%
Return on Assets1.1%
Return on Equity8.7%
Interest Income$1.99 million
Rates

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Johnson City Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.45%$25k-Regular Share
0.45%$25k-Accumulation IRA
0.45%$25k-Accumulation Roth IRA
0.45%$25k-Accumulation Education IRA

Johnson City Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.45%$25k-Money Market Account

Johnson City Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.25%$1k-Share Draft Account

Johnson City Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.75%$1k-60 Month CD
1.40%$1k-48 Month CD
1.20%$1k-36 Month CD
1.00%$1k-24 Month CD
0.65%$1k-12 Month CD
0.45%$1k-6 Month CD

Johnson City Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.75%--60 Month Traditional IRA (Traditional,Roth,CESA)
1.20%--30 Month Traditional IRA (Traditional,Roth,CESA)
1.00%--18 Month Traditional IRA (Traditional,Roth,CESA)
0.65%--12 Month Traditional IRA (Traditional,Roth,CESA)
0.45%--6 Month Traditional IRA (Traditional,Roth,CESA)
Locations


Johnson City Credit Union Locations
Branch Office333 E Main StJohnson City, TN 37601
Branch Office716 W Market StJohnson City, TN 37604
Branch Office181 Marketplace DrJohnson City, TN 37604