Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.9 and a net worth ratio of 0.0. A current level of 0.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Excellent (8.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Asset Mix:
Consumer loans (29%), home mtgs (4%), other (67%)
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