Concho Valley Credit Union
Major Rating Factors:
A current level of 0.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Excellent current capitalization (9.6 on a scale of 0 to 10) based on a net capital to total assets of 11.3 and a net worth ratio of 11.3.
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 (6.3 on a scale of 0 to 10). Good liquidity 6.0, driven by a liquidity ratio of 44.6 percent and a “hot money” ratio of 10.8 percent.
Asset Mix:
Home mtgs (26%), consumer loans (20%), other (55%)
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
1002 South Abe Street
San Angelo, TX 76903
San Angelo, TX 76903
Phone Number
(325) 658-7557
NCUA Charter Number
Website
Largest Competitors
San Angelo, TX
San Angelo, TX
San Angelo, TX
San Angelo, TX
San Angelo, TX