Major Rating Factors:
A current level of 16.7 percent of nonperforming loans to core capital combined with 4.2 percent from a year earlier contributes to the Fair asset quality (4.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.0 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.4 on a scale of 0 to 10) based on a net capital to total assets of 8.8 and a net worth ratio of 0.0. Fair liquidity 3.6, driven by a liquidity ratio of 20.4 percent and a “hot money” ratio of 10.4 percent.
Asset Mix:
Consumer loans (38%), home mtgs (27%), other (35%)
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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