Postel Family Credit Union
Major Rating Factors:
A current level of 0.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.6). Excellent current capitalization (9.5 on a scale of 0 to 10) based on a net capital to total assets of 11.2 and a net worth ratio of 11.2.
Other Rating Factors:
Good liquidity 5.8, driven by a liquidity ratio of 42.4 percent and a “hot money” ratio of 14.8 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Asset Mix:
Consumer loans (21%), home mtgs (19%), comm loans (3%), securities (1%), other (56%)
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
4400 Maplewood Ave.
Wichita Falls, TX 76308
Wichita Falls, TX 76308
Phone Number
(940) 761-8600
NCUA Charter Number
Website
Largest Competitors
Wichita Falls, TX
Wichita Falls, TX
Wichita Falls, TX
Wichita Falls, TX
Wichita Falls, TX