Wichita Falls Teachers Federal Credit Union
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 (4.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.1 has resulted in Fair (4.1) profitability.
Other Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) based on a net capital to total assets of 10.4 and a net worth ratio of 13.4. A current level of 6.9 percent of nonperforming loans to core capital combined with 2.3 percent from a year earlier contributes to the Good asset quality (6.7).
Asset Mix:
Consumer loans (41%), home mtgs (10%), other (49%)
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
4301 Barnett Road
Wichita Falls, TX 76310
Wichita Falls, TX 76310
Phone Number
(940) 692-7096
NCUA Charter Number
Website
Largest Competitors
Wichita Falls, TX
Wichita Falls, TX
Wichita Falls, TX
Wichita Falls, TX
Wichita Falls, TX