Southwest Research Center Federal Credit Union
Major Rating Factors:
A current level of 3.4 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Excellent asset quality (8.4). Good current capitalization (6.5 on a scale of 0 to 10) based on a net capital to total assets of 9.0 and a net worth ratio of 0.0.
Other Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.9 has resulted in Good (5.8) profitability. Good liquidity 5.4, driven by a liquidity ratio of 27.4 percent and a “hot money” ratio of 8.1 percent.
Asset Mix:
Consumer loans (34%), home mtgs (12%), other (54%)
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