1st Community Federal Credit Union
Major Rating Factors:
Excellent current capitalization (7.1 on a scale of 0 to 10) based on a net capital to total assets of 9.5 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.2 has resulted in Good (6.8) profitability.
Other 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 (6.5 on a scale of 0 to 10). A current level of 14.9 percent of nonperforming loans to core capital combined with 17.8 percent from a year earlier contributes to the Good asset quality (6.0).
Asset Mix:
Consumer loans (37%), home mtgs (10%), securities (0%), other (53%)
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
3505 Wildewood Drive
San Angelo, TX 76904
San Angelo, TX 76904
Phone Number
(325) 653-1465
NCUA Charter Number
Website
Largest Competitors
San Angelo, TX
San Angelo, TX
San Angelo, TX
San Angelo, TX
San Angelo, TX