Major Rating Factors:
Excellent current capitalization (9.8 on a scale of 0 to 10) based on a net capital to total assets of 11.4 and a net worth ratio of 11.9. Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.6 has resulted in Excellent (7.1) profitability.
Other 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 (6.6 on a scale of 0 to 10). A current level of 8.5 percent of nonperforming loans to core capital contributes to the Good asset quality (5.7).
Asset Mix:
Consumer loans (57%), home mtgs (14%), other (29%)
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
13700 East Sam Houston Parkway, North
Houston, TX 77044
Houston, TX 77044
Phone Number
(713) 674-5778
NCUA Charter Number
Website
Largest Competitors
Houston, TX
Houston, TX
Houston, TX
Houston, TX
Houston, TX