Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.2 has resulted in Weak (2.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.0 on a scale of 0 to 10).
Other Rating Factors:
Fair current capitalization (3.4 on a scale of 0 to 10) based on a net capital to total assets of 5.6 and a net worth ratio of 7.8. Fair liquidity 4.2, driven by a liquidity ratio of 19.6 percent and a “hot money” ratio of 8.7 percent.
Asset Mix:
Consumer loans (37%), home mtgs (9%), securities (1%), other (53%)
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
2901 Sens Road
La Porte, TX 77571
La Porte, TX 77571
Phone Number
(281) 471-1782
NCUA Charter Number
Website
Largest Competitors
Live Oak, TX
San Antonio, TX
Fort Worth, TX
La Porte, TX
La Porte, TX