Union Square Credit Union
Major Rating Factors:
Fair current capitalization (4.9 on a scale of 0 to 10) based on a net capital to total assets of 7.3 and a net worth ratio of 8.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 10.9 percent of nonperforming loans to core capital combined with 15.1 percent from a year earlier contributes to the Good asset quality (6.4). Weak liquidity 2.4, driven by a liquidity ratio of 9.5 percent and a “hot money” ratio of 14.0 percent.
Asset Mix:
Home mtgs (34%), consumer loans (32%), other (33%)
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
1401 Holliday Street
Wichita Falls, TX 76301
Wichita Falls, TX 76301
Phone Number
(940) 720-8000
NCUA Charter Number
Website
Largest Competitors
Wichita Falls, TX
Wichita Falls, TX
Wichita Falls, TX
Wichita Falls, TX
Wichita Falls, TX