Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.2 has resulted in Weak (1.8) 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).
Other Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) based on a net capital to total assets of 10.4 and a net worth ratio of 11.0. A current level of 7.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.2).
Asset Mix:
Consumer loans (32%), home mtgs (24%), comm loans (6%), other (38%)
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
4041 East 52nd Street
Odessa, TX 79762
Odessa, TX 79762
Phone Number
(432) 363-6600
NCUA Charter Number
Website
Largest Competitors
Odessa, TX
Odessa, TX
Odessa, TX
Odessa, TX
Odessa, TX