Major Rating Factors:
A current level of 11.1 percent of nonperforming loans to core capital contributes to the Good asset quality (5.3).
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. Good liquidity 6.3, driven by a liquidity ratio of 76.7 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (51%), other (50%)
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
3118 Blodgett Street
Houston, TX 77004
Houston, TX 77004
Phone Number
(713) 524-8783
NCUA Charter Number
Largest Competitors
Houston, TX
Houston, TX
Houston, TX
Houston, TX
Houston, TX