Major Rating Factors:
A current level of 8.6 percent of nonperforming loans to core capital combined with 9.0 percent from a year earlier contributes to the Excellent asset quality (7.0). Good current capitalization (6.8 on a scale of 0 to 10) based on a net capital to total assets of 9.3 and a net worth ratio of 0.0.
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 (5.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.5 has resulted in Fair (3.5) profitability.
Asset Mix:
Consumer loans (42%), home mtgs (15%), securities (3%), other (39%)
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
7083 Members Parkway
Temple, TX 76502
Temple, TX 76502
Phone Number
(254) 773-1604
NCUA Charter Number
Website
Largest Competitors
Live Oak, TX
San Antonio, TX
Fort Worth, TX
Temple, TX
Temple, TX