Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.1 has resulted in Very Weak (1.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.2 on a scale of 0 to 10).
Other Rating Factors:
Fair current capitalization (4.1 on a scale of 0 to 10) based on a net capital to total assets of 6.5 and a net worth ratio of 8.4. A current level of 5.4 percent of nonperforming loans to core capital contributes to the Good asset quality (7.0).
Asset Mix:
Consumer loans (19%), home mtgs (8%), other (72%)
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
2121 West Dove Avenue
McAllen, TX 78504
McAllen, TX 78504
Phone Number
(956) 618-7500
NCUA Charter Number
Website
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