Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Fair (4.0) profitability.
Other Rating Factors:
Fair liquidity 3.4, driven by a liquidity ratio of 17.4 percent and a “hot money” ratio of 0.0 percent. A current level of 8.8 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.9).
Asset Mix:
Consumer loans (63%), other (37%)
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
11 King Fisher Road
Chacon, NM 87713
Chacon, NM 87713
Phone Number
(575) 387-6339
NCUA Charter Number
Website
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