Texoma Community Credit Union
Major Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) based on a net capital to total assets of 11.5 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.2 has resulted in Excellent (9.4) profitability.
Other Rating Factors:
A current level of 7.1 percent of nonperforming loans to core capital combined with 7.1 percent from a year earlier contributes to the Excellent asset quality (7.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Consumer loans (38%), home mtgs (25%), securities (0%), 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
3800 Sheppard Access Road
Wichita Falls, TX 76306
Wichita Falls, TX 76306
Phone Number
(940) 851-4000
NCUA Charter Number
Website
Largest Competitors
Wichita Falls, TX
Wichita Falls, TX
Wichita Falls, TX
Wichita Falls, TX
Wichita Falls, TX