Southwest Research Center Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.7 has resulted in Fair (4.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.4 percent of nonperforming loans to core capital combined with 3.5 percent from a year earlier contributes to the Excellent asset quality (8.9). Good current capitalization (5.5 on a scale of 0 to 10) based on a net capital to total assets of 7.9 and a net worth ratio of 10.0.
Asset Mix:
Consumer loans (31%), home mtgs (13%), other (56%)
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
7215 Culebra Road
San Antonio, TX 78251
San Antonio, TX 78251
Phone Number
(210) 684-1054
NCUA Charter Number
Website
Largest Competitors
San Antonio, TX
San Antonio, TX
San Antonio, TX
San Antonio, TX
San Antonio, TX