Major 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 15.0. A current level of 1.1 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10). Good liquidity 5.9, driven by a liquidity ratio of 45.8 percent and a “hot money” ratio of 1.5 percent.
Asset Mix:
Consumer loans (40%), home mtgs (9%), other (51%)
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
1006 East Seventh Street
Odessa, TX 79761
Odessa, TX 79761
Phone Number
(432) 333-2510
NCUA Charter Number
Website
Largest Competitors
Odessa, TX
Odessa, TX
Odessa, TX
Odessa, TX
Odessa, TX