Development
Wichita Falls Teachers Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.2 has resulted in Weak (1.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) based on a net capital to total assets of 10.3 and a net worth ratio of 13.1. A current level of 5.0 percent of nonperforming loans to core capital combined with 3.1 percent from a year earlier contributes to the Excellent asset quality (7.0).
Asset Mix:
Consumer loans (40%), home mtgs (9%), other (51%)
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
4301 Barnett Road
Wichita Falls, TX 76310
Wichita Falls, TX 76310
Phone Number
(940) 692-7096
NCUA Charter Number
Website
Largest Competitors
Wichita Falls, TX
Wichita Falls, TX
Wichita Falls, TX
Wichita Falls, TX
Wichita Falls, TX