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 (3.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.1 has resulted in Weak (2.7) profitability.
Other Rating Factors:
A current level of 7.5 percent of nonperforming loans to core capital combined with 3.1 percent from a year earlier contributes to the Excellent asset quality (7.2). Good current capitalization (5.6 on a scale of 0 to 10) based on a net capital to total assets of 7.9 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (41%), home mtgs (13%), other (46%)
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
6100 West Interstate 40
Amarillo, TX 79106
Amarillo, TX 79106
Phone Number
(806) 358-7561
NCUA Charter Number
Website
Largest Competitors
Amarillo, TX
Amarillo, TX
Amarillo, TX
Amarillo, TX
Amarillo, TX