Major Rating Factors:
Excellent current capitalization (8.0 on a scale of 0 to 10) based on a net capital to total assets of 10.2 and a net worth ratio of 0.0. A current level of 5.6 percent of nonperforming loans to core capital combined with 5.6 percent from a year earlier contributes to the Good asset quality (6.9).
Other Rating Factors:
Good liquidity 6.6, driven by a liquidity ratio of 42.6 percent and a “hot money” ratio of 6.0 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.2 on a scale of 0 to 10).
Asset Mix:
Consumer loans (30%), securities (5%), home mtgs (2%), other (64%)
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
901 Avenue Q
Lubbock, TX 79401
Lubbock, TX 79401
Phone Number
(806) 765-5701
NCUA Charter Number
Website
Largest Competitors
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Lubbock, TX