Major Rating Factors:
A current level of 15.2 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.5 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 40.5 and a net worth ratio of 40.5. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.5 has resulted in Excellent (9.7) profitability.
Asset Mix:
Consumer loans (62%), 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
9810 FM 1960 Bypass Road, West
Humble, TX 77338
Humble, TX 77338
Phone Number
(281) 548-3377
NCUA Charter Number
Website
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