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 15.1 and a net worth ratio of 15.1. A current level of 1.9 percent of nonperforming loans to core capital combined with 3.2 percent from a year earlier contributes to the Excellent asset quality (9.9).
Other Rating Factors:
Excellent liquidity 7.3, driven by a liquidity ratio of 56.6 percent and a “hot money” ratio of 0.2 percent. Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 2.3 has resulted in Good (6.6) profitability.
Asset Mix:
Consumer loans (33%), other (67%)
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
San Antonio, TX
Big Spring, TX
Big Spring, TX
Big Spring, TX