Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.5 on a scale of 0 to 10). Excellent current capitalization (7.4 on a scale of 0 to 10) based on a net capital to total assets of 9.8 and a net worth ratio of 9.8.
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.1 has resulted in Excellent (7.8) profitability. A current level of 3.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.8).
Asset Mix:
Consumer loans (39%), other (61%)
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
826 North Third Street
Waco, TX 76707
Waco, TX 76707
Phone Number
(254) 753-0361
NCUA Charter Number
Website
Largest Competitors
Waco, TX
Waco, TX
Waco, TX
Waco, TX