Major Rating Factors:
Fair current capitalization (4.0 on a scale of 0 to 10) based on a net capital to total assets of 6.3 and a net worth ratio of 7.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 18.9 percent of nonperforming loans to core capital combined with 10.9 percent from a year earlier contributes to the Good asset quality (5.6). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.1 has resulted in Weak (1.9) profitability.
Asset Mix:
Consumer loans (27%), home mtgs (21%), other (52%)
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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