Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.1 and a net worth ratio of 15.1. A current level of 5.7 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Excellent asset quality (8.5).
Other Rating Factors:
Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.6 has resulted in Excellent (8.1) profitability. Excellent liquidity 7.5, driven by a liquidity ratio of 65.4 percent and a “hot money” ratio of 5.0 percent.
Asset Mix:
Consumer loans (24%), other (76%)
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
2307 West Oak Street
Palestine, TX 75801
Palestine, TX 75801
Phone Number
(903) 729-6788
NCUA Charter Number
Website
Largest Competitors
Live Oak, TX
San Antonio, TX
Fort Worth, TX
Palestine, TX
Palestine, TX