D
New Mexico Employers Assr Co
Rating Date
June 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
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Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Weak profitability index (2.6 on a scale of 0 to 10) with operating losses during 2020, 2022, 2023, 2024 and the first three months of 2025. Average return on equity over the last five years has been poor at -18.3%. Weak overall results on stability tests (1.7) including excessive premium growth, weak results on operational trends and negative cash flow from operations for 2024. Poor long-term capitalization index (2.5) based on weak current risk adjusted capital (severe loss scenarios).
Other Rating Factors: Fair reserve development (3.6) as reserves have generally been sufficient to cover claims. Superior liquidity (10.0) with ample operational cash flow and liquid investments.
Stability Factors: C - Past results on our Risk-Adjusted Capital tests. D - Limited diversification of general business, policy, and/or investment risk. F - Negative cash flow. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Work comp (100.0%)
Licensed in: NM
Principal Investments: Investment grade bonds (85.7%), cash (10.2%), other (4.0%)
Ratios
Premium to Surplus
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Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
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Combined Ratio
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Cash From Underwriting
Net Premium Growth
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Investments in Affiliates
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Corporate Info
Group Affiliation
New Mexico Mutual Casualty Co
Investment Rating
--
Company Address
5201 Balloon Fiesta Parkway, NE
Albuquerque, NM 87113
Phone Number
(505) 345-7260
NAIC Number
13674
Largest Affiliates
B
Albuquerque, NM - P&C
C
Albuquerque, NM - P&C
C
Albuquerque, NM - P&C
C
Albuquerque, NM - P&C
C
Albuquerque, NM - P&C