Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.1 has resulted in Very Weak (0.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.7 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 1.2, driven by a liquidity ratio of 13.0 percent and a “hot money” ratio of 25.8 percent. A current level of 6.3 percent of nonperforming loans to core capital contributes to the Good asset quality (5.7).
Asset Mix:
Consumer loans (71%), securities (7%), home mtgs (3%), other (20%)
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
San Antonio, TX
Fort Worth, TX
Houston, TX
Kerrville, TX