Soarion Federal Credit Union
Major Rating Factors:
A current level of 23.8 percent of nonperforming loans to core capital combined with 10.9 percent from a year earlier contributes to the Weak asset quality (2.7). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.5 has resulted in Fair (4.5) profitability.
Other Rating Factors:
Weak liquidity 1.4, driven by a liquidity ratio of 4.7 percent and a “hot money” ratio of 26.7 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10).
Asset Mix:
Consumer loans (58%), home mtgs (8%), other (34%)
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
1560 Cable Ranch Road
San Antonio, TX 78245
San Antonio, TX 78245
Phone Number
(210) 673-5610
NCUA Charter Number
Website
Largest Competitors
San Antonio, TX
San Antonio, TX
San Antonio, TX
San Antonio, TX
San Antonio, TX