Southwest Research Center Federal Credit Union
Major Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) based on a net capital to total assets of 10.2 and a net worth ratio of 11.2. A current level of 3.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.1).
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Excellent (7.6) profitability. Good liquidity 5.2, driven by a liquidity ratio of 23.3 percent and a “hot money” ratio of 6.5 percent.
Asset Mix:
Consumer loans (32%), home mtgs (13%), other (55%)
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