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 (5.0 on a scale of 0 to 10). A current level of 7.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.5).
Other Rating Factors:
Excellent current capitalization (8.0 on a scale of 0 to 10) based on a net capital to total assets of 10.2 and a net worth ratio of 10.3. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.1 has resulted in Excellent (7.8) profitability.
Asset Mix:
Consumer loans (42%), home mtgs (15%), comm loans (13%), securities (6%), other (23%)
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
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