Major 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 (5.8 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.2, driven by a liquidity ratio of 47.6 percent and a “hot money” ratio of 0.0 percent. A current level of 2.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.8).
Asset Mix:
Consumer loans (51%), securities (16%), home mtgs (3%), other (29%)
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
117 East Second Street
Lefors, TX 79054
Lefors, TX 79054
Phone Number
(806) 835-2773
NCUA Charter Number
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