Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.8 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 1.2, driven by a liquidity ratio of 10.3 percent and a “hot money” ratio of 37.1 percent. A current level of 14.1 percent of nonperforming loans to core capital combined with 14.1 percent from a year earlier contributes to the Fair asset quality (4.7).
Asset Mix:
Consumer loans (59%), home mtgs (7%), other (35%)
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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