Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 18.3 and a net worth ratio of 18.7. 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).
Other Rating Factors:
Good liquidity 6.4, driven by a liquidity ratio of 57.5 percent and a “hot money” ratio of 9.0 percent. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.6 has resulted in Good (5.3) profitability.
Asset Mix:
Consumer loans (36%), home mtgs (5%), other (59%)
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
801 Austin Avenue
Friona, TX 79035
Friona, TX 79035
Phone Number
(806) 250-2736
NCUA Charter Number
Website
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