Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 1.8 has resulted in Fair (4.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.2 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (5.7 on a scale of 0 to 10) based on a net capital to total assets of 8.1 and a net worth ratio of 0.0. A current level of 25.9 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.4).
Asset Mix:
Consumer loans (25%), home mtgs (21%), other (54%)
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
740 N Watters Rd
Allen, TX 75013
Allen, TX 75013
Phone Number
(877) 254-9328
NCUA Charter Number
Website
Largest Competitors
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