Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 1.2 has resulted in Weak (2.5) profitability. A current level of 7.4 percent of nonperforming loans to core capital contributes to the Good asset quality (6.8).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 27.1 and a net worth ratio of 27.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10).
Asset Mix:
Securities (58%), consumer loans (30%), other (12%)
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
312 South Main Street
Victoria, TX 77901
Victoria, TX 77901
Phone Number
(361) 572-4704
NCUA Charter Number
Largest Competitors
Live Oak, TX
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Victoria, TX
Victoria, TX
Victoria, TX