Major Rating Factors:
Excellent current capitalization (8.0 on a scale of 0 to 10) based on a net capital to total assets of 10.1 and a net worth ratio of 10.2. A current level of 3.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.9).
Other 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). Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 0.3 has resulted in Fair (4.5) profitability.
Asset Mix:
Consumer loans (32%), comm loans (27%), home mtgs (18%), other (23%)
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
9983 Kenworthy Street
El Paso, TX 79924
El Paso, TX 79924
Phone Number
(915) 562-1172
NCUA Charter Number
Website
Largest Competitors
El Paso, TX
El Paso, TX
El Paso, TX
El Paso, TX
El Paso, TX