Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.2 has resulted in Weak (1.7) profitability.
Other Rating Factors:
A current level of 7.6 percent of nonperforming loans to core capital combined with 6.3 percent from a year earlier contributes to the Excellent asset quality (7.2). Good current capitalization (5.9 on a scale of 0 to 10) based on a net capital to total assets of 8.3 and a net worth ratio of 10.5.
Asset Mix:
Consumer loans (42%), home mtgs (14%), other (44%)
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 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