Major Rating Factors:
A current level of 24.5 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.7).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.6 and a net worth ratio of 14.6. Excellent liquidity 7.2, driven by a liquidity ratio of 68.0 percent and a “hot money” ratio of 10.0 percent.
Asset Mix:
Consumer loans (28%), home mtgs (3%), other (69%)
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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