1st Community Federal Credit Union
Major Rating Factors:
Excellent current capitalization (8.5 on a scale of 0 to 10) based on a net capital to total assets of 10.5 and a net worth ratio of 13.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.3 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.9 has resulted in Excellent (7.3) profitability. A current level of 24.0 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.6).
Asset Mix:
Consumer loans (37%), comm loans (15%), home mtgs (10%), securities (1%), other (38%)
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