Major Rating Factors:
A current level of 10.6 percent of nonperforming loans to core capital combined with 5.6 percent from a year earlier contributes to the Fair asset quality (4.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.7 on a scale of 0 to 10) based on a net capital to total assets of 11.4 and a net worth ratio of 11.5. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.0 has resulted in Excellent (7.8) profitability.
Asset Mix:
Consumer loans (73%), home mtgs (1%), other (26%)
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
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