Major Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) based on a net capital to total assets of 11.3 and a net worth ratio of 11.3. A current level of 1.8 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Excellent asset quality (9.5).
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 (7.3 on a scale of 0 to 10). Fair liquidity 3.2, driven by a liquidity ratio of 26.4 percent and a “hot money” ratio of 17.5 percent.
Asset Mix:
Home mtgs (36%), consumer loans (29%), securities (13%), other (22%)
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
2105 West Grande Boulevard
Tyler, TX 75703
Tyler, TX 75703
Phone Number
(903) 597-7291
NCUA Charter Number
Website
Largest Competitors
Tyler, TX
Tyler, TX
Tyler, TX
Tyler, TX
Tyler, TX