Major Rating Factors:
A current level of 4.2 percent of nonperforming loans to core capital combined with 2.1 percent from a year earlier contributes to the Excellent asset quality (8.2). Excellent current capitalization (7.9 on a scale of 0 to 10) based on a net capital to total assets of 10.1 and a net worth ratio of 10.2.
Other Rating Factors:
Good liquidity 5.7, driven by a liquidity ratio of 39.7 percent and a “hot money” ratio of 1.6 percent. Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Good (5.0) profitability.
Asset Mix:
Consumer loans (36%), home mtgs (15%), securities (1%), other (48%)
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
4301 Mission Boulevard
Odessa, TX 79761
Odessa, TX 79761
Phone Number
(432) 934-0433
NCUA Charter Number
Website
Largest Competitors
Odessa, TX
Odessa, TX
Odessa, TX
Odessa, TX
Odessa, TX