Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 25.0 and a net worth ratio of 25.4. A current level of 1.2 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (8.4).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 0.6 has resulted in Good (5.6) profitability.
Asset Mix:
Consumer loans (73%), other (27%)
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
144 North Henderson Street
Rusk, TX 75785
Rusk, TX 75785
Phone Number
(903) 683-2527
NCUA Charter Number
Website
Largest Competitors
Live Oak, TX
San Antonio, TX
Fort Worth, TX
Lake Jackson, TX