Major Rating Factors:
A current level of 3.0 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Excellent asset quality (8.9). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Good (7.0) profitability.
Other Rating Factors:
Good current capitalization (6.0 on a scale of 0 to 10) based on a net capital to total assets of 8.4 and a net worth ratio of 8.5. Good liquidity 5.2, driven by a liquidity ratio of 36.7 percent and a “hot money” ratio of 1.3 percent.
Asset Mix:
Securities (33%), consumer loans (27%), home mtgs (6%), other (34%)
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