Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.6 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.4 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 4.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.3). Good liquidity 6.1, driven by a liquidity ratio of 54.7 percent and a “hot money” ratio of 9.6 percent.
Asset Mix:
Consumer loans (33%), home mtgs (15%), other (53%)
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