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 0.8%, coupled with a return on assets of 0.6 has resulted in Good (5.3) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.9 and a net worth ratio of 14.9. A current level of 3.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.8).
Asset Mix:
Consumer loans (58%), other (42%)
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
4174 Old Anson Road
Abilene, TX 79601
Abilene, TX 79601
Phone Number
(325) 676-8925
NCUA Charter Number
Website
Largest Competitors
Abilene, TX
Abilene, TX
Abilene, TX
Abilene, TX
Abilene, TX
