Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.8 and a net worth ratio of 12.3. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 0.7 has resulted in Good (6.3) profitability.
Other Rating Factors:
A current level of 14.1 percent of nonperforming loans to core capital combined with 8.9 percent from a year earlier contributes to the Good asset quality (5.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (36%), consumer loans (26%), 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
6420 US Highway 290 East
Austin, TX 78723
Austin, TX 78723
Phone Number
(512) 302-6800
NCUA Charter Number
Website
Largest Competitors
Austin, TX
Austin, TX
Austin, TX
Austin, TX
Austin, TX