Major 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 (5.9 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.8 and a net worth ratio of 15.2. A current level of 3.6 percent of nonperforming loans to core capital combined with 1.9 percent from a year earlier contributes to the Excellent asset quality (7.6).
Asset Mix:
Consumer loans (63%), other (37%)
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
1618 Main Street
Dallas, TX 75201
Dallas, TX 75201
Phone Number
(214) 573-5322
NCUA Charter Number
Website
Largest Competitors
Dallas, TX
Dallas, TX
Dallas, TX
Dallas, TX
Dallas, TX