Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.4 and a net worth ratio of 14.4. A current level of 2.4 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Excellent asset quality (9.7).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.1 has resulted in Good (6.2) profitability.
Asset Mix:
Consumer loans (43%), securities (10%), other (48%)
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
2601 South John Redditt Drive
Lufkin, TX 75904
Lufkin, TX 75904
Phone Number
(936) 639-2311
NCUA Charter Number
Website
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