Major Rating Factors:
A current level of 3.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.3). Excellent current capitalization (8.6 on a scale of 0 to 10) based on a net capital to total assets of 10.6 and a net worth ratio of 10.6.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10). Fair liquidity 4.0, driven by a liquidity ratio of 25.4 percent and a “hot money” ratio of 21.3 percent.
Asset Mix:
Securities (33%), consumer loans (31%), home mtgs (8%), other (29%)
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
1905 Forest Ridge Drive
Bedford, TX 76021
Bedford, TX 76021
Phone Number
(817) 835-5000
NCUA Charter Number
Website
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