Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.6 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.5, driven by a liquidity ratio of 31.3 percent and a “hot money” ratio of 50.2 percent. Fair current capitalization (3.9 on a scale of 0 to 10) based on a net capital to total assets of 6.2 and a net worth ratio of 16.3.
Asset Mix:
Consumer loans (48%), home mtgs (6%), comm loans (5%), other (41%)
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 S Lincoln St
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