Major Rating Factors:
A current level of 59.2 percent of nonperforming loans to core capital contributes to the Very Weak asset quality (0.3). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.7 has resulted in Fair (3.9) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10). Good liquidity 6.2, driven by a liquidity ratio of 68.2 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (44%), other (56%)
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
3390 Sarah Street
Beaumont, TX 77705
Beaumont, TX 77705
Phone Number
(409) 842-4343
NCUA Charter Number
Largest Competitors
Beaumont, TX
Beaumont, TX
Beaumont, TX
Beaumont, TX
Beaumont, TX