Major Rating Factors:
Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.3 has resulted in Fair (4.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.1 and a net worth ratio of 12.1. A current level of 1.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.8).
Asset Mix:
Consumer loans (49%), home mtgs (0%), other (51%)
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