B
E M O T Federal Credit Union
AbileneTX
Data as of
March 31, 2023
Net Capital
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Major Rating Factors: Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 33.0 and a net worth ratio of 33.0. A current level of 1.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.4 on a scale of 0 to 10). Excellent liquidity 7.4, driven by a liquidity ratio of 54.7 percent and a “hot money” ratio of 0.0 percent.
Asset Mix: Consumer loans (24%), other (76%)
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
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Operating Profit to Average Assets
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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