City Public Service/IBEW Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.7 and a net worth ratio of 14.9. A current level of 3.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.9).
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 (6.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.0 has resulted in Good (6.3) profitability.
Asset Mix:
Consumer loans (34%), securities (21%), home mtgs (0%), other (45%)
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
1002 Camden Street
San Antonio, TX 78215
San Antonio, TX 78215
Phone Number
(210) 353-2376
NCUA Charter Number
Website
Largest Competitors
San Antonio, TX
San Antonio, TX
San Antonio, TX
San Antonio, TX
San Antonio, TX