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 (5.8 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.3, driven by a liquidity ratio of 64.1 percent and a “hot money” ratio of 45.6 percent. A current level of 7.4 percent of nonperforming loans to core capital combined with 7.4 percent from a year earlier contributes to the Excellent asset quality (7.4).
Asset Mix:
Consumer loans (37%), other (63%)
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
110 North Washington Avenue
Roswell, NM 88203
Roswell, NM 88203
Phone Number
(575) 622-4444
NCUA Charter Number
Website
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