Major Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a net capital to total assets of 10.6 and a net worth ratio of 0.0. A current level of 5.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.2).
Other Rating Factors:
Fair liquidity 5.0, driven by a liquidity ratio of 27.2 percent and a “hot money” ratio of 5.1 percent. Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.3 has resulted in Fair (4.9) profitability.
Asset Mix:
Consumer loans (32%), home mtgs (14%), securities (12%), other (42%)
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
317 South Bentsen Palm Drive
Palmview, TX 78572
Palmview, TX 78572
Phone Number
(956) 585-6207
NCUA Charter Number
Largest Competitors
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