E
Communities of Abilene Federal Credit Union
AbileneTX
Rating Date
November 2023
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Loading...
Major Rating Factors: Very Weak current capitalization (0.0 on a scale of 0 to 10) based on a net capital to total assets of 1.4 and a net worth ratio of 10.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.5 on a scale of 0 to 10).
Other Rating Factors: Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Fair (3.5) profitability. Fair liquidity 4.3, driven by a liquidity ratio of 14.5 percent and a “hot money” ratio of 1.5 percent.
Asset Mix: Consumer loans (37%), home mtgs (9%), other (54%)
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
Liquidity
Liquidity Ratio
Hot Money
Corporate Info
Address
3661 North Sixth Street
Abilene, TX 79603
Phone Number
(325) 691-2300
NCUA Charter Number
Weiss Ratings