Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 17.9 and a net worth ratio of 18.0. A current level of 0.9 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Excellent liquidity 7.5, driven by a liquidity ratio of 62.4 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Good (6.5) profitability.
Asset Mix:
Consumer loans (25%), other (75%)
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
5001 Red Bluff Road
Pasadena, TX 77503
Pasadena, TX 77503
Phone Number
(281) 542-2400
NCUA Charter Number
Website
Largest Competitors
Pasadena, TX
Pasadena, TX
Pasadena, TX
Pasadena, TX
Pasadena, TX