Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.3). Good current capitalization (6.9 on a scale of 0 to 10) based on a net capital to total assets of 9.3 and a net worth ratio of 9.3.
Asset Mix:
Consumer loans (46%), home mtgs (11%), other (43%)
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
3100 Sunburst Street
Midland, TX 79707
Midland, TX 79707
Phone Number
(432) 520-3443
NCUA Charter Number
Website
Largest Competitors
Live Oak, TX
Midland, TX
Midland, TX
Midland, TX
Midland, TX