Major Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Excellent (9.8) profitability. Excellent current capitalization (9.7 on a scale of 0 to 10) based on a net capital to total assets of 11.3 and a net worth ratio of 0.0.
Other Rating Factors:
A current level of 5.0 percent of nonperforming loans to core capital combined with 11.3 percent from a year earlier contributes to the Good asset quality (6.8). Good liquidity 6.0, driven by a liquidity ratio of 53.7 percent and a “hot money” ratio of 9.2 percent.
Asset Mix:
Consumer loans (33%), home mtgs (15%), other (52%)
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
One Baylor Plaza
Houston, TX 77030
Houston, TX 77030
Phone Number
(713) 798-4820
NCUA Charter Number
Website
Largest Competitors
Houston, TX
Houston, TX
Houston, TX
Houston, TX
Houston, TX