Major Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) based on a net capital to total assets of 10.9 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 7.5 percent of nonperforming loans to core capital combined with 7.5 percent from a year earlier contributes to the Excellent asset quality (7.2). Weak liquidity 2.7, driven by a liquidity ratio of 14.7 percent and a “hot money” ratio of 16.7 percent.
Asset Mix:
Consumer loans (34%), home mtgs (31%), other (35%)
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
1330 Gemini Street
Houston, TX 77058
Houston, TX 77058
Phone Number
(281) 488-7070
NCUA Charter Number
Website
Largest Competitors
Houston, TX
Houston, TX
Houston, TX
Houston, TX
Houston, TX