B
First Watch Federal Credit Union
AbileneTX
Data as of
September 30, 2022
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Major Rating Factors: A current level of 1.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.5). Excellent current capitalization (7.5 on a scale of 0 to 10) based on a net capital to total assets of 9.3 and a net worth ratio of 9.3.
Other Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10). Fair liquidity 4.6, driven by a liquidity ratio of 17.2 percent and a “hot money” ratio of 3.1 percent.
Asset Mix: Consumer loans (62%), home mtgs (9%), other (30%)
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
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Hot Money
Corporate Info
Address
1118 Pine Street
Abilene, TX 79601
Phone Number
(325) 670-2429
NCUA Charter Number
Weiss Ratings