Major Rating Factors:
Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.0 has resulted in Very Weak (0.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.7 on a scale of 0 to 10) based on a net capital to total assets of 11.3 and a net worth ratio of 11.6. A current level of 4.6 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Good asset quality (6.9).
Asset Mix:
Consumer loans (45%), securities (9%), other (46%)
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
504 Clubview Drive
Levelland, TX 79336
Levelland, TX 79336
Phone Number
(806) 894-6204
NCUA Charter Number
Website
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