Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.0 and a net worth ratio of 12.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 5.8 percent of nonperforming loans to core capital contributes to the Good asset quality (6.8). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.8 has resulted in Good (6.4) profitability.
Asset Mix:
Consumer loans (52%), securities (9%), home mtgs (4%), other (36%)
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
5740 County Road Four
Bishop, TX 78343
Bishop, TX 78343
Phone Number
(361) 584-6246
NCUA Charter Number
Website
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