Major Rating Factors:
A current level of 9.1 percent of nonperforming loans to core capital contributes to the Good asset quality (6.9). Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.4 has resulted in Good (6.9) profitability.
Other Rating Factors:
Good current capitalization (6.1 on a scale of 0 to 10) based on a net capital to total assets of 8.5 and a net worth ratio of 9.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10).
Asset Mix:
Consumer loans (29%), home mtgs (25%), comm loans (0%), other (46%)
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
9601 Jones Road
Houston, TX 77065
Houston, TX 77065
Phone Number
(281) 571-5020
NCUA Charter Number
Website
Largest Competitors
Houston, TX
Houston, TX
Houston, TX
Houston, TX
Houston, TX