Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 17.4 and a net worth ratio of 17.4. A current level of 1.9 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Good liquidity 5.9, driven by a liquidity ratio of 53.3 percent and a “hot money” ratio of 22.1 percent. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (5.9) profitability.
Asset Mix:
Consumer loans (27%), other (73%)
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
140 South Broadway
Alba, TX 75410
Alba, TX 75410
Phone Number
(903) 765-2425
NCUA Charter Number
Website
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