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 1.5 and a net worth ratio of 9.0. Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.2 has resulted in Weak (2.6) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.3 on a scale of 0 to 10). Good liquidity 5.3, driven by a liquidity ratio of 18.3 percent and a “hot money” ratio of 2.0 percent.
Asset Mix:
Consumer loans (30%), home mtgs (8%), other (62%)
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
