Major Rating Factors:
Very Weak current capitalization (0.7 on a scale of 0 to 10) based on a net capital to total assets of 4.0 and a net worth ratio of 0.0. 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:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.3 has resulted in Fair (3.4) profitability. Fair liquidity 3.8, driven by a liquidity ratio of 12.0 percent and a “hot money” ratio of 4.1 percent.
Asset Mix:
Consumer loans (48%), home mtgs (9%), other (43%)
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