C
E M O T Federal Credit Union
AbileneTX
Rating Date
November 2023
Net Capital
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Major Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Good (6.2) profitability.
Other Rating Factors: Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 34.3 and a net worth ratio of 34.3. A current level of 0.0 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Excellent asset quality (10.0).
Asset Mix: Consumer loans (25%), other (75%)
Asset Quality
Non-Performing Loans to Capital
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Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
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Hot Money
Corporate Info
Address
471 Cypress Street
Abilene, TX 79601
Phone Number
(325) 673-3728
NCUA Charter Number
Website
Weiss Ratings