Major Rating Factors:
Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.1 has resulted in Weak (1.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.5 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.4, driven by a liquidity ratio of 19.2 percent and a “hot money” ratio of 10.3 percent. A current level of 18.8 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.7).
Asset Mix:
Consumer loans (36%), home mtgs (26%), other (38%)
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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