Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.9 and a net worth ratio of 12.9. A current level of 2.4 percent of nonperforming loans to core capital combined with 1.9 percent from a year earlier contributes to the Excellent asset quality (9.7).
Other Rating Factors:
Operating profits as a percentage of assets at 3.5%, coupled with a return on assets of 3.5 has resulted in Excellent (8.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10).
Asset Mix:
Consumer loans (39%), home mtgs (6%), other (55%)
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
2229 East Yandell Drive
El Paso, TX 79903
El Paso, TX 79903
Phone Number
(915) 544-2215
NCUA Charter Number
Website
Largest Competitors
El Paso, TX
El Paso, TX
El Paso, TX
El Paso, TX
El Paso, TX