Major Rating Factors:
A current level of 6.2 percent of nonperforming loans to core capital contributes to the Good asset quality (5.8).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.6 and a net worth ratio of 12.6. 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).
Asset Mix:
Consumer loans (75%), other (25%)
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
5002 Tesoro Plaza
Laredo, TX 78041
Laredo, TX 78041
Phone Number
(956) 722-7841
NCUA Charter Number
Largest Competitors
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