Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.3 has resulted in Weak (2.4) profitability. Good current capitalization (6.7 on a scale of 0 to 10) based on a net capital to total assets of 9.1 and a net worth ratio of 14.0.
Other Rating Factors:
A current level of 2.7 percent of nonperforming loans to core capital combined with 2.3 percent from a year earlier contributes to the Excellent asset quality (9.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Consumer loans (32%), home mtgs (30%), other (38%)
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
5953 Fairmont Parkway
Pasadena, TX 77505
Pasadena, TX 77505
Phone Number
(281) 487-9333
NCUA Charter Number
Website
Largest Competitors
Pasadena, TX
Pasadena, TX
Pasadena, TX
Pasadena, TX
Pasadena, TX