Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.5 has resulted in Fair (4.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 13.6 percent of nonperforming loans to core capital contributes to the Good asset quality (5.3). Good current capitalization (5.0 on a scale of 0 to 10) based on a net capital to total assets of 7.4 and a net worth ratio of 9.0.
Asset Mix:
Consumer loans (50%), securities (4%), home mtgs (3%), other (43%)
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
7200 Hillside Road
Amarillo, TX 79109
Amarillo, TX 79109
Phone Number
(806) 359-8571
NCUA Charter Number
Website
Largest Competitors
Amarillo, TX
Amarillo, TX
Amarillo, TX
Amarillo, TX
Amarillo, TX