Major Rating Factors:
A current level of 40.6 percent of nonperforming loans to core capital contributes to the Very Weak asset quality (0.7).
Other Rating Factors:
Good liquidity 5.4, driven by a liquidity ratio of 70.1 percent and a “hot money” ratio of 0.0 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (63%), other (37%)
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