Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.9 and a net worth ratio of 0.0. A current level of 18.6 percent of nonperforming loans to core capital combined with 12.2 percent from a year earlier contributes to the Good asset quality (5.5).
Other Rating Factors:
Excellent liquidity 7.2, driven by a liquidity ratio of 74.1 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 0.9 has resulted in Good (5.1) profitability.
Asset Mix:
Consumer loans (37%), other (63%)
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
1441 North Beckley Avenue
Dallas, TX 75203
Dallas, TX 75203
Phone Number
(214) 947-1365
NCUA Charter Number
Website
Largest Competitors
Dallas, TX
Dallas, TX
Dallas, TX
Dallas, TX
Dallas, TX