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 (4.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 9.1 percent of nonperforming loans to core capital combined with 8.9 percent from a year earlier contributes to the Good asset quality (6.3). Good liquidity 6.8, driven by a liquidity ratio of 52.7 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (32%), other (68%)
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
5200 Beverly Drive
Waco, TX 76711
Waco, TX 76711
Phone Number
(254) 755-8820
NCUA Charter Number
Largest Competitors
Waco, TX
Waco, TX
Waco, TX
Waco, TX