Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.6 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.1, driven by a liquidity ratio of 14.6 percent and a “hot money” ratio of 9.6 percent. A current level of 14.8 percent of nonperforming loans to core capital contributes to the Good asset quality (5.3).
Asset Mix:
Consumer loans (39%), home mtgs (26%), 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
905 West McGregor Drive
McGregor, TX 76657
McGregor, TX 76657
Phone Number
(254) 840-2873
NCUA Charter Number
Website
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