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 (4.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.0 has resulted in Good (5.8) profitability.
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Excellent asset quality (10.0). Good current capitalization (6.8 on a scale of 0 to 10) based on a net capital to total assets of 9.3 and a net worth ratio of 9.4.
Asset Mix:
Consumer loans (34%), home mtgs (4%), other (62%)
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
3165 South 27th Street
Abilene, TX 79605
Abilene, TX 79605
Phone Number
(325) 692-4089
NCUA Charter Number
Largest Competitors
Abilene, TX
Abilene, TX
Abilene, TX
Abilene, TX
Abilene, TX
