A
Border Federal Credit Union
Del Rio, TX
Data as of
June 30, 2021
Risk Based
Capital Ratio
12.72
Leverage
Ratio
12.72
Return On
Assets
1.29%
Total
Assets
215.46M
Capital
27.36M
Total
Deposits
177.05M
Net
Income
1.38M
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Major Rating Factors: Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.7 and a net worth ratio of 12.7. A current level of 0.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors: Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Excellent (9.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.6 on a scale of 0 to 10).
Asset Mix: Consumer loans (24%), home mtgs (19%), securities (15%), other (41%)
Asset Quality
Non-Performing Loans to Capital
0.79%
Non-Performing Assets to Assets
0.11%
Non-Performing Loans to Loans
0.21%
Loan Loss Reserves to Loans
0.85%
Charge-Offs to Average Loans
0.06%
5-Year Charge-Offs to Average Loans
0.53%
5-Year Asset Growth
6.92%
1-Year Asset Growth
11.44%
Profitability
Operating Profit to Average Assets
1.29%
Return on Equity
10.39%
Net Interest Spread
4.43%
5-Year ROAA (Return on Average Assets)
0.99%
Overhead Efficiency Ratio
78.69%
Liquidity
Liquidity Ratio
35.61%
Hot Money
3.19%
Corporate Info
Address
2211 North Bedell Avenue
Del Rio, TX 78840
Phone Number
(830) 774-2328
NCUA Charter Number
Weiss Ratings