Major Rating Factors:
A history of deficient reserves (2.5 on a scale of 0 to 10) that places pressure on both capital and profits. Deficiencies in the two year reserve development occurred in three of the previous five years and ranged between 20.4% and 26.5%. Weak profitability index (2.8) with operating losses during each of the last five years. Vulnerable liquidity (0.2) as a spike in claims may stretch capacity.
Other Rating Factors:
Fair long-term capitalization index (4.7) based on fair current risk adjusted capital (severe loss scenarios), although results have slipped from the good range over the last two years. Good overall results on stability tests (5.7) despite negative cash flow from operations for 2025 and good risk adjusted capital in prior years.
Stability Factors:
F - Negative cash flow.
L - Past results on our liquidity tests.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (94.8%), other (5.2%)
Licensed in:
AZ, CO, GA, IL, IN, NC, NM, NV, OH, OR, PA, TX, WA
Principal Investments:
Investment grade bonds (69.9%), common stock (26.2%), cash (3.2%), non investment grade bonds (0.2%), other (0.4%)
Corporate Info
Group Affiliation
EP Loya Group LP
Investment Rating
--
Company Address
1800 Lee Trevino
El Paso, TX 79936
El Paso, TX 79936
Phone Number
(915) 590-5692
NAIC Number
11198
Website
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