Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.4 and a net worth ratio of 13.4. A current level of 4.5 percent of nonperforming loans to core capital contributes to the Good asset quality (6.8).
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 (5.7 on a scale of 0 to 10). Fair liquidity 3.5, driven by a liquidity ratio of 23.3 percent and a “hot money” ratio of 23.3 percent.
Asset Mix:
Consumer loans (47%), comm loans (12%), home mtgs (1%), other (41%)
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
5991 S Georgia St.
Amarillo, TX 79101
Amarillo, TX 79101
Phone Number
(806) 373-6641
NCUA Charter Number
Largest Competitors
Amarillo, TX
Amarillo, TX
Amarillo, TX
Amarillo, TX
Amarillo, TX