Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 30.9 and a net worth ratio of 0.0. A current level of 1.0 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.6 has resulted in Excellent (9.5) profitability. Excellent liquidity 7.1, driven by a liquidity ratio of 81.0 percent and a “hot money” ratio of 14.4 percent.
Asset Mix:
Consumer loans (26%), home mtgs (5%), other (69%)
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
2207 Wildwood Street
Victoria, TX 77901
Victoria, TX 77901
Phone Number
(361) 576-3168
NCUA Charter Number
Website
Largest Competitors
Live Oak, TX
San Antonio, TX
Victoria, TX
Victoria, TX
Victoria, TX