Houston Federal Credit Union
Major Rating Factors:
A current level of 2.9 percent of nonperforming loans to core capital combined with 2.9 percent from a year earlier contributes to the Excellent asset quality (9.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (5.2 on a scale of 0 to 10) based on a net capital to total assets of 7.5 and a net worth ratio of 0.0. Fair liquidity 4.2, driven by a liquidity ratio of 27.0 percent and a “hot money” ratio of 22.3 percent.
Asset Mix:
Consumer loans (28%), home mtgs (16%), securities (6%), other (49%)
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
16320 Kensington Drive
Sugar Land, TX 77479
Sugar Land, TX 77479
Phone Number
(281) 243-0500
NCUA Charter Number
Website
Largest Competitors
Live Oak, TX
San Antonio, TX
Sugar Land, TX
Sugar Land, TX
Sugar Land, TX