Major Rating Factors:
A current level of 14.1 percent of nonperforming loans to core capital combined with 7.1 percent from a year earlier contributes to the Fair asset quality (4.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.2 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (5.4 on a scale of 0 to 10) based on a net capital to total assets of 7.8 and a net worth ratio of 7.9.
Asset Mix:
Consumer loans (62%), home mtgs (7%), other (31%)
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
8384 North Belt Line Road
Irving, TX 75063
Irving, TX 75063
Phone Number
(214) 574-2000
NCUA Charter Number
Website
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