Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (1.0 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 1.8, driven by a liquidity ratio of 3.1 percent and a “hot money” ratio of 11.0 percent. Fair current capitalization (4.3 on a scale of 0 to 10) based on a net capital to total assets of 6.6 and a net worth ratio of 6.7.
Asset Mix:
Consumer loans (52%), home mtgs (26%), securities (9%), other (13%)
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
7500 Imperial Drive
Waco, TX 76712
Waco, TX 76712
Phone Number
(254) 751-1622
NCUA Charter Number
Website
Largest Competitors
Waco, TX
Waco, TX
Waco, TX