Major Rating Factors:
Weak profitability index (2.6 on a scale of 0 to 10) with operating losses during 2021, 2024 and 2025. Weak overall results on stability tests (1.1) including weak results on operational trends, weak risk diversification and negative cash flow from operations for 2025. The largest net exposure for one risk is high at 4.9% of capital. Strong long-term capitalization index (10.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Other Rating Factors:
Ample reserve history (9.2) that helps to protect the company against sharp claims increases. Superior liquidity (10.0) with ample operational cash flow and liquid investments.
Stability Factors:
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:
Personal/comm auto (100.0%)
Licensed in:
AZ, NM
Principal Investments:
Investment grade bonds (51.3%), cash (37.9%), common stock (10.7%)
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
311 East Nizhoni Boulevard
Gallup, NM 87301
Gallup, NM 87301
Phone Number
(505) 397-5008
NAIC Number
27499
Largest Affiliates
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