Salt Employees Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 6.2, driven by a liquidity ratio of 94.4 percent and a “hot money” ratio of 0.0 percent. A current level of 2.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.7).
Asset Mix:
Consumer loans (32%), other (68%)
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
801 State Hwy 110
Grand Saline, TX 75140
Grand Saline, TX 75140
Phone Number
(903) 962-5870
NCUA Charter Number
Largest Competitors
Live Oak, TX
San Antonio, TX
Fort Worth, TX
Lake Jackson, TX
Corpus Christi, TX