C
E M O T Federal Credit Union
AbileneTX
Rating Date
March 2024
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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 1.1%, coupled with a return on assets of 1.1 has resulted in Good (6.7) 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 35.9 and a net worth ratio of 35.9. A current level of 0.1 percent of nonperforming loans to core capital combined with 0.1 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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Loan Loss Reserves to 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