Major Rating Factors:
A current level of 14.4 percent of nonperforming loans to core capital combined with 35.1 percent from a year earlier contributes to the Fair asset quality (4.8). Fair current capitalization (3.0 on a scale of 0 to 10) based on a net capital to total assets of 5.3 and a net worth ratio of 0.0.
Other Rating Factors:
Weak liquidity 1.8, driven by a liquidity ratio of 22.3 percent and a “hot money” ratio of 55.8 percent. Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.1 has resulted in Weak (1.3) profitability.
Asset Mix:
Consumer loans (53%), home mtgs (9%), other (38%)
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 South Lincoln Street
Amarillo, TX 79101
Amarillo, TX 79101
Phone Number
(806) 373-4313
NCUA Charter Number
Website
Largest Competitors
Amarillo, TX
Amarillo, TX
Amarillo, TX
Amarillo, TX
Amarillo, TX