Major Rating Factors:
A current level of 16.2 percent of nonperforming loans to core capital combined with 10.6 percent from a year earlier contributes to the Fair asset quality (3.9). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.1 has resulted in Weak (2.7) profitability.
Other Rating Factors:
Excellent current capitalization (9.1 on a scale of 0 to 10) based on a net capital to total assets of 10.9 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Asset Mix:
Consumer loans (69%), home mtgs (2%), other (29%)
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
1018 Sidney Baker Street
Kerrville, TX 78028
Kerrville, TX 78028
Phone Number
(830) 896-3977
NCUA Charter Number
Website
Largest Competitors
Live Oak, TX
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Kerrville, TX