Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.8 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 1.4, driven by a liquidity ratio of 2.1 percent and a “hot money” ratio of 0.0 percent. A current level of 13.0 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.1).
Asset Mix:
Consumer loans (75%), other (25%)
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
2500 Leopard Drive
Texarkana, TX 75501
Texarkana, TX 75501
Phone Number
(903) 223-6404
NCUA Charter Number
Website
Largest Competitors
Texarkana, TX
Texarkana, TX
Texarkana, TX
Texarkana, TX
Texarkana, TX