Major Rating Factors:
Very Weak current capitalization (0.0 on a scale of 0 to 10) based on a net capital to total assets of 0.2 and a net worth ratio of 29.5.
Other Rating Factors:
A current level of 23.3 percent of nonperforming loans to core capital combined with 7.0 percent from a year earlier contributes to the Fair asset quality (3.2). An analysis of stability tests since inception including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.5).
Asset Mix:
Consumer loans (35%), other (65%)
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
4210 50th Street
Lubbock, TX 79413
Lubbock, TX 79413
Phone Number
NCUA Charter Number
Largest Competitors
Live Oak, TX
Lubbock, TX
Lubbock, TX
Lubbock, TX
Lubbock, TX
