Major Rating Factors:
Fair reserve development (4.1 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Fair profitability index (3.6) with operating losses during 2022, 2023 and 2025. Fair liquidity (5.0) as cash resources may not be adequate to cover a spike in claims.
Other Rating Factors:
Good overall results on stability tests (5.2) despite negative cash flow from operations for 2025. Stability strengths include good operational trends and excellent risk diversification. Strong long-term capitalization index (7.2) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
F - Negative cash flow.
Principal Lines of Business:
Personal/comm auto (95.8%), other (4.2%)
Licensed in:
TX
Principal Investments:
Investment grade bonds (91.3%), cash (6.9%), other (1.9%)
Corporate Info
Group Affiliation
EP Loya Group LP
Investment Rating
--
Company Address
1800 North Lee Trevino Boulevard
El Paso, TX 79936
El Paso, TX 79936
Phone Number
(915) 590-5692
NAIC Number
10157
Website
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