Major Rating Factors:
Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.9 has resulted in Excellent (9.9) profitability. Excellent current capitalization (9.3 on a scale of 0 to 10) based on a net capital to total assets of 11.1 and a net worth ratio of 11.1.
Other Rating Factors:
A current level of 3.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.8). Good liquidity 6.5, driven by a liquidity ratio of 54.0 percent and a “hot money” ratio of 1.3 percent.
Asset Mix:
Consumer loans (28%), securities (11%), home mtgs (7%), other (54%)
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
200 SE Green Oaks Boulevard
Arlington, TX 76018
Arlington, TX 76018
Phone Number
(817) 856-4444
NCUA Charter Number
Website
Largest Competitors
Live Oak, TX
Arlington, TX
Arlington, TX
Arlington, TX
Arlington, TX