C
FirstLight Federal Credit Union
El PasoTX
Rating Date
May 2024
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Major Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 0.3 has resulted in Good (5.2) profitability.
Other Rating Factors: A current level of 4.5 percent of nonperforming loans to core capital combined with 4.5 percent from a year earlier contributes to the Excellent asset quality (8.4). Good current capitalization (6.7 on a scale of 0 to 10) based on a net capital to total assets of 9.2 and a net worth ratio of 0.0.
Asset Mix: Consumer loans (39%), home mtgs (17%), securities (2%), other (42%)
Asset Quality
Non-Performing Loans to Capital
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Corporate Info
Address
9983 Kenworthy Street
El Paso, TX 79924
Phone Number
(915) 562-1172
NCUA Charter Number