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 (1.7 on a scale of 0 to 10). Fair current capitalization (3.4 on a scale of 0 to 10) based on a net capital to total assets of 5.7 and a net worth ratio of 5.8.
Other Rating Factors:
Fair liquidity 3.9, driven by a liquidity ratio of 25.1 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 2.0 has resulted in Good (6.0) profitability.
Asset Mix:
Consumer loans (31%), other (69%)
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
930 Bryan Lane
Lumberton, TX 77657
Lumberton, TX 77657
Phone Number
(409) 755-6806
NCUA Charter Number
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