Big Spring Education Employees Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 16.3 and a net worth ratio of 0.0. A current level of 1.7 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Excellent liquidity 7.3, driven by a liquidity ratio of 60.0 percent and a “hot money” ratio of 0.2 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (35%), other (65%)
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
1110 South Benton Street
Big Spring, TX 79720
Big Spring, TX 79720
Phone Number
(432) 263-8393
NCUA Charter Number
Website
Largest Competitors
Live Oak, TX
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Big Spring, TX
Big Spring, TX
Big Spring, TX