Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.4 has resulted in Fair (3.9) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.0 and a net worth ratio of 13.0. A current level of 3.4 percent of nonperforming loans to core capital combined with 5.0 percent from a year earlier contributes to the Excellent asset quality (7.8).
Asset Mix:
Consumer loans (51%), other (49%)
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
8109 Smith Road
Beaumont, TX 77705
Beaumont, TX 77705
Phone Number
(409) 842-5233
NCUA Charter Number
Website
Largest Competitors
Beaumont, TX
Beaumont, TX
Beaumont, TX
Beaumont, TX
Beaumont, TX