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 (5.7 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 12.1 and a net worth ratio of 12.5. A current level of 5.6 percent of nonperforming loans to core capital combined with 3.0 percent from a year earlier contributes to the Good asset quality (6.2).
Asset Mix:
Consumer loans (53%), home mtgs (9%), other (38%)
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
709 North First Street
Lamesa, TX 79331
Lamesa, TX 79331
Phone Number
(806) 872-5151
NCUA Charter Number
Website
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