Major Rating Factors:
Fair current capitalization (5.0 on a scale of 0 to 10) based on a net capital to total assets of 7.3 and a net worth ratio of 9.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 6.6 percent of nonperforming loans to core capital combined with 1.9 percent from a year earlier contributes to the Excellent asset quality (8.3). Fair liquidity 3.2, driven by a liquidity ratio of 12.3 percent and a “hot money” ratio of 6.4 percent.
Asset Mix:
Consumer loans (36%), home mtgs (25%), other (39%)
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) 571-5000
NCUA Charter Number
Website
Largest Competitors
Houston, TX
Houston, TX
Houston, TX
Houston, TX
Houston, TX