Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 2.8 has resulted in Fair (3.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 15.8 percent of nonperforming loans to core capital combined with 18.9 percent from a year earlier contributes to the Good asset quality (6.0). Good current capitalization (5.3 on a scale of 0 to 10) based on a net capital to total assets of 7.7 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (26%), home mtgs (21%), other (53%)
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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