D
Pear Orchard Federal Credit Union
Rating Date
July 2025
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Major Rating Factors: A current level of 50.0 percent of nonperforming loans to core capital combined with 50.0 percent from a year earlier contributes to the Very Weak asset quality (0.7).
Other Rating Factors: Fair liquidity 4.8, driven by a liquidity ratio of 30.9 percent and a “hot money” ratio of 0.0 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10).
Asset Mix: Consumer loans (52%), other (48%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
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Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
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Corporate Info
Address
3390 Sarah Street
Beaumont, TX 77705
Phone Number
(409) 842-4343
NCUA Charter Number
Website