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 (2.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.0 has resulted in Weak (2.6) profitability.
Other Rating Factors:
Weak liquidity 2.9, driven by a liquidity ratio of 15.2 percent and a “hot money” ratio of 14.2 percent. Good current capitalization (5.1 on a scale of 0 to 10) based on a net capital to total assets of 7.4 and a net worth ratio of 7.4.
Asset Mix:
Consumer loans (44%), home mtgs (25%), securities (9%), other (22%)
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