Major Rating Factors:
Weak current capitalization (1.1 on a scale of 0 to 10) based on a net capital to total assets of 4.5 and a net worth ratio of 8.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.1 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.2, driven by a liquidity ratio of 18.0 percent and a “hot money” ratio of 1.2 percent. A current level of 9.5 percent of nonperforming loans to core capital combined with 6.2 percent from a year earlier contributes to the Good asset quality (5.2).
Asset Mix:
Consumer loans (48%), home mtgs (10%), other (42%)
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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