Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 17.9 and a net worth ratio of 17.9. A current level of 0.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Good (6.0) profitability. Good liquidity 5.7, driven by a liquidity ratio of 41.1 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (33%), securities (30%), 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
109 North Temple Drive
Diboll, TX 75941
Diboll, TX 75941
Phone Number
(936) 829-1616
NCUA Charter Number
Website
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