Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 20.2 and a net worth ratio of 20.2. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.3 has resulted in Excellent (9.2) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.4 on a scale of 0 to 10). A current level of 5.3 percent of nonperforming loans to core capital contributes to the Good asset quality (7.0).
Asset Mix:
Consumer loans (48%), home mtgs (8%), securities (5%), other (39%)
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
1415 North Loop West
Houston, TX 77008
Houston, TX 77008
Phone Number
(713) 869-9053
NCUA Charter Number
Website
Largest Competitors
Houston, TX
Houston, TX
Houston, TX
Houston, TX
Houston, TX