Major Rating Factors:
A current level of 16.0 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.7). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Good (5.7) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.9 and a net worth ratio of 13.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (75%), other (25%)
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
1021 North Somerville Street
Pampa, TX 79065
Pampa, TX 79065
Phone Number
(806) 665-8875
NCUA Charter Number
Largest Competitors
Live Oak, TX
San Antonio, TX
Pampa, TX
Pampa, TX
Pampa, TX