Major Rating Factors:
A current level of 2.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.4). Excellent current capitalization (8.2 on a scale of 0 to 10) based on a net capital to total assets of 10.3 and a net worth ratio of 11.5.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.6 has resulted in Good (5.1) profitability.
Asset Mix:
Consumer loans (20%), home mtgs (16%), comm loans (8%), 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
7100 East TX Highway 191
Odessa, TX 79765
Odessa, TX 79765
Phone Number
(432) 333-5600
NCUA Charter Number
Website
Largest Competitors
Odessa, TX
Odessa, TX
Odessa, TX
Odessa, TX
Odessa, TX