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 (1.0 on a scale of 0 to 10). A current level of 18.9 percent of nonperforming loans to core capital contributes to the Weak asset quality (2.9).
Other Rating Factors:
Weak liquidity 1.0, driven by a liquidity ratio of 13.1 percent and a “hot money” ratio of 52.4 percent. Fair current capitalization (4.1 on a scale of 0 to 10) based on a net capital to total assets of 6.4 and a net worth ratio of 16.5.
Asset Mix:
Consumer loans (54%), home mtgs (8%), comm loans (6%), other (32%)
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