W T N M Atlantic Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.7 has resulted in Fair (4.5) profitability. A current level of 20.2 percent of nonperforming loans to core capital contributes to the Weak asset quality (2.7).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 23.9 and a net worth ratio of 23.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10).
Asset Mix:
Consumer loans (48%), comm re (1%), other (52%)
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
320 East Broadway Street
Denver City, TX 79323
Denver City, TX 79323
Phone Number
(806) 592-9225
NCUA Charter Number
Largest Competitors
Live Oak, TX
San Antonio, TX
Fort Worth, TX
Houston, TX
Corpus Christi, TX