Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.4 and a net worth ratio of 13.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.7 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 0.7 has resulted in Good (6.7) profitability. A current level of 12.1 percent of nonperforming loans to core capital contributes to the Good asset quality (6.1).
Asset Mix:
Home mtgs (34%), consumer loans (24%), comm loans (8%), other (33%)
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