Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 6.3, driven by a liquidity ratio of 14.2 percent and a “hot money” ratio of 0.0 percent. A current level of 0.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.9).
Asset Mix:
Consumer loans (40%), other (60%)
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
4001 Catclaw Drive
Abilene, TX 79606
Abilene, TX 79606
Phone Number
(325) 677-2918
NCUA Charter Number
Website
Largest Competitors
Abilene, TX
Abilene, TX
Abilene, TX
Abilene, TX
Abilene, TX
