Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Fair (4.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.0 percent of nonperforming loans to core capital combined with 2.3 percent from a year earlier contributes to the Excellent asset quality (7.6). Excellent current capitalization (7.4 on a scale of 0 to 10) based on a net capital to total assets of 9.7 and a net worth ratio of 9.8.
Asset Mix:
Consumer loans (47%), securities (10%), home mtgs (9%), other (34%)
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
8870 Gazelle Drive
El Paso, TX 79925
El Paso, TX 79925
Phone Number
(915) 592-0223
NCUA Charter Number
Website
Largest Competitors
El Paso, TX
El Paso, TX
El Paso, TX
El Paso, TX
El Paso, TX