Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Excellent (9.2) profitability. A current level of 4.6 percent of nonperforming loans to core capital combined with 2.9 percent from a year earlier contributes to the Excellent asset quality (8.3).
Other Rating Factors:
Excellent current capitalization (7.5 on a scale of 0 to 10) based on a net capital to total assets of 9.8 and a net worth ratio of 11.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (29%), consumer loans (26%), securities (5%), other (41%)
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
One IKEA-RBFCU Parkway
Live Oak, TX 78233
Live Oak, TX 78233
Phone Number
(210) 945-3300
NCUA Charter Number
Website
Largest Competitors
San Antonio, TX
Fort Worth, TX
Lake Jackson, TX
El Paso, TX
Corpus Christi, TX
