Major Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) based on a net capital to total assets of 11.1 and a net worth ratio of 11.1. A current level of 4.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.6).
Other Rating Factors:
Fair liquidity 4.8, driven by a liquidity ratio of 24.4 percent and a “hot money” ratio of 4.7 percent. Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.2 has resulted in Fair (4.7) profitability.
Asset Mix:
Consumer loans (33%), home mtgs (15%), securities (13%), other (40%)
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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