Major Rating Factors:
Fair current capitalization (3.2 on a scale of 0 to 10) based on a net capital to total assets of 5.5 and a net worth ratio of 10.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.6 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.9, driven by a liquidity ratio of 13.7 percent and a “hot money” ratio of 3.4 percent. Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.3 has resulted in Fair (4.2) profitability.
Asset Mix:
Consumer loans (50%), home mtgs (9%), other (42%)
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