Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.7 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.1, driven by a liquidity ratio of 33.5 percent and a “hot money” ratio of 17.4 percent. A current level of 5.8 percent of nonperforming loans to core capital contributes to the Good asset quality (5.4).
Asset Mix:
Consumer loans (56%), home mtgs (10%), comm loans (1%), other (33%)
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
2500 Perryton Parkway
Pampa, TX 79065
Pampa, TX 79065
Phone Number
(806) 665-0057
NCUA Charter Number
Website
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