Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.9 percent of nonperforming loans to core capital contributes to the Good asset quality (6.9). Excellent current capitalization (7.8 on a scale of 0 to 10) based on a net capital to total assets of 10.0 and a net worth ratio of 10.0.
Asset Mix:
Consumer loans (16%), other (84%)
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
12655 Woodforest Boulevard
Houston, TX 77015
Houston, TX 77015
Phone Number
(713) 453-1010
NCUA Charter Number
Largest Competitors
Houston, TX
Houston, TX
Houston, TX
Houston, TX
Houston, TX