Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). A current level of 5.1 percent of nonperforming loans to core capital combined with 3.0 percent from a year earlier contributes to the Excellent asset quality (7.0).
Other Rating Factors:
Excellent current capitalization (9.1 on a scale of 0 to 10) based on a net capital to total assets of 10.9 and a net worth ratio of 11.2. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.0 has resulted in Excellent (8.6) profitability.
Asset Mix:
Consumer loans (56%), securities (17%), home mtgs (12%), other (15%)
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
1225 Airway Boulevard
El Paso, TX 79925
El Paso, TX 79925
Phone Number
(915) 778-9221
NCUA Charter Number
Website
Largest Competitors
El Paso, TX
El Paso, TX
El Paso, TX
El Paso, TX
El Paso, TX
