Electric Utilities Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.8 has resulted in Fair (4.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 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 12.1. A current level of 3.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.9).
Asset Mix:
Consumer loans (19%), other (81%)
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
2002 Birdwell Lane
Big Spring, TX 79720
Big Spring, TX 79720
Phone Number
(432) 263-3442
NCUA Charter Number
Largest Competitors
Live Oak, TX
San Antonio, TX
Big Spring, TX
Big Spring, TX
Big Spring, TX