Concho Educators Federal Credit Union
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 (3.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.3 has resulted in Weak (2.8) profitability.
Other Rating Factors:
A current level of 2.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.4). Good current capitalization (6.0 on a scale of 0 to 10) based on a net capital to total assets of 8.4 and a net worth ratio of 11.7.
Asset Mix:
Consumer loans (41%), home mtgs (16%), 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
3215 West Loop 306
San Angelo, TX 76904
San Angelo, TX 76904
Phone Number
(325) 944-4551
NCUA Charter Number
Website
Largest Competitors
San Angelo, TX
San Angelo, TX
San Angelo, TX
San Angelo, TX
San Angelo, TX