Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.3 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.3, driven by a liquidity ratio of 8.0 percent and a “hot money” ratio of 12.8 percent. A current level of 12.9 percent of nonperforming loans to core capital combined with 10.6 percent from a year earlier contributes to the Fair asset quality (4.4).
Asset Mix:
Consumer loans (46%), home mtgs (27%), securities (10%), other (17%)
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