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Volunteer Federal Savings & Loan is a mutual institution with a federal thrift charter which employs strategies that differ greatly from publically traded financial institutions. We are not driven by returns on investment or meeting market and stockholder expectations. Rather, we are driven by servicing our community's financing needs while ensuring and maintaining growth, asset quality, and liquidity. This had been successfully accomplished by adhering to conservative management practices that target steady and controlled growth over the years. This explains why Volunteer Federal continues to be profitable through difficult economic conditions. In fact, throughout our history, Volunteer Federal has never recorded a loss because its strategy is based on flexibility and long term outcomes. This strategy has enabled Volunteer Federal to endure several crises, including the savings and loan crisis in the 1980's.
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Volunteer Federal has consistently received the highest rating (5 out of 5 stars) from Bauer Financial, an independent and unbiased source for bank and credit union ratings (http://www.bauerfinancial.com).
Bank's Annual Report - Financial Statement of Condition: |
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Officers
Larry Hicks, Chairman & Chief Executive Officer John H. (Bob) Dalton, President & Chief Operating Officer Robert T. Moser, Vice President, Loan Officer, and Internal Auditor Tim Moree, Assistant Vice President, Security Officer, Identity Theft Program Officer Ruby McLemore, Vice President & Loan Officer, Branch Manager Madisonville Office Sonya Harris, Vice President & Loan Officer, Branch Manager Tellico Plains Office Shelia Knox, Assistant Vice President & Loan Officer, Branch Manager Hwy 68 Sweetwater Office Rita White, Assistant Vice President & Loan Officer, Branch Manager Vonore Office Rob Rule, Assistant Vice President & Loan Officer, Branch Manager Sweetwater Office Leslie Hicks, Branch Manager, Highway 68 Madisonville Office Kressa Mason, Assistant Vice President & Loan Officer, Assistant Branch Manager Tellico Plains Office David Viar, Assistant Branch Manager & Loan Officer, Highway 68 Sweetwater Office Charlie Robbins, Assistant Vice President, Compliance Officer, Operations Analyst, IT Systems Administrator Adam Pennington, Assistant Vice President, Operations Officer Jami Babb, Assistant Operations Officer Rodney Cross, Computer Technology Officer, IT Security Administrator Abby Cook, Loan Officer |
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"The success of this institution has been driven by a conservative and involved board of directors and a very diligent and enthusiastic group of service providers. The performance of Volunteer Federal begins with these two ingredients." - Larry Hicks, Chairman & CEO
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"Our people are responsible for our performance. Just bank with us and you'll find out what makes Volunteer Federal a quality and caring financial institution." - Bob Dalton, President
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Our Mission Statement: "Volunteer Federal Savings and Loan Association will, both prudently and professionally, utilize its resources to fulfill the financial product needs and customer service expectations of individuals, families, businesses and communities located in the Monroe County area of Tennessee." Volunteer Federal Snapshot:
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