Major Rating Factors:
Weak current capitalization (1.7 on a scale of 0 to 10) based on a net capital to total assets of 4.7 and a net worth ratio of 10.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.7 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.7, driven by a liquidity ratio of 10.9 percent and a “hot money” ratio of 4.1 percent. Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.4 has resulted in Fair (4.0) profitability.
Asset Mix:
Consumer loans (50%), home mtgs (9%), other (41%)
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
3661 North Sixth Street
Abilene, TX 79603
Abilene, TX 79603
Phone Number
(325) 691-2300
NCUA Charter Number
Website
Largest Competitors
Abilene, TX
Abilene, TX
Abilene, TX
Abilene, TX
Abilene, TX