Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Weak (2.9) profitability. 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).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.7 and a net worth ratio of 12.7. A current level of 3.2 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (7.3).
Asset Mix:
Consumer loans (55%), other (45%)
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
220 West Hillside Road
Laredo, TX 78041
Laredo, TX 78041
Phone Number
(956) 723-0363
NCUA Charter Number
Website
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