Major Rating Factors:
Fair current capitalization (4.8 on a scale of 0 to 10) based on a net capital to total assets of 7.1 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.6 percent of nonperforming loans to core capital combined with 4.6 percent from a year earlier contributes to the Excellent asset quality (8.3). Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.8 has resulted in Good (6.6) profitability.
Asset Mix:
Consumer loans (35%), home mtgs (8%), other (58%)
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
1119 Corpus Christi Street
Laredo, TX 78040
Laredo, TX 78040
Phone Number
(956) 722-3971
NCUA Charter Number
Website
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