Sacred Heart Parish Hallettsville Federal Credit Union
Major Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) based on a net capital to total assets of 11.0 and a net worth ratio of 0.0. A current level of 3.0 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Excellent asset quality (8.1).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10). Good liquidity 5.7, driven by a liquidity ratio of 45.6 percent and a “hot money” ratio of 8.9 percent.
Asset Mix:
Consumer loans (28%), home mtgs (8%), other (64%)
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
1206 North Texana Street
Hallettsville, TX 77964
Hallettsville, TX 77964
Phone Number
(361) 798-4361
NCUA Charter Number
Website
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