Major Rating Factors:
Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.1 has resulted in Weak (2.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 22.8 and a net worth ratio of 22.8. A current level of 2.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.6).
Asset Mix:
Consumer loans (45%), securities (16%), home mtgs (3%), other (36%)
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
Largest Competitors
Live Oak, TX
San Antonio, TX
Fort Worth, TX
Houston, TX
Corpus Christi, TX