Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.0). Excellent current capitalization (8.1 on a scale of 0 to 10) based on a net capital to total assets of 10.3 and a net worth ratio of 10.3.
Asset Mix:
Consumer loans (45%), home mtgs (12%), securities (11%), other (31%)
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