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 (5.9 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.5, driven by a liquidity ratio of 37.2 percent and a “hot money” ratio of 0.0 percent. A current level of 3.5 percent of nonperforming loans to core capital combined with 3.5 percent from a year earlier contributes to the Excellent asset quality (8.0).
Asset Mix:
Consumer loans (58%), securities (12%), home mtgs (4%), other (26%)
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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