Major Rating Factors:
A current level of 0.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Excellent (8.9) profitability.
Other Rating Factors:
Excellent current capitalization (8.5 on a scale of 0 to 10) based on a net capital to total assets of 10.5 and a net worth ratio of 0.0. Good liquidity 6.5, driven by a liquidity ratio of 42.0 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Securities (21%), home mtgs (11%), consumer loans (7%), other (61%)
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
3305 East Elms Road
Killeen, TX 76542
Killeen, TX 76542
Phone Number
(254) 690-2274
NCUA Charter Number
Website
Largest Competitors
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