Amoco Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.4 has resulted in Fair (4.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 7.3 percent of nonperforming loans to core capital combined with 5.4 percent from a year earlier contributes to the Good asset quality (7.0). Good current capitalization (5.2 on a scale of 0 to 10) based on a net capital to total assets of 7.6 and a net worth ratio of 8.4.
Asset Mix:
Consumer loans (42%), home mtgs (30%), other (28%)
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
2300 Texas Avenue
Texas City, TX 77590
Texas City, TX 77590
Phone Number
(409) 948-8541
NCUA Charter Number
Website
Largest Competitors
Live Oak, TX
San Antonio, TX
Fort Worth, TX
Lake Jackson, TX
Texas City, TX