Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.4 has resulted in Weak (2.6) profitability.
Other Rating Factors:
A current level of 3.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.8). Good liquidity 6.5, driven by a liquidity ratio of 53.5 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (38%), home mtgs (3%), other (59%)
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
1900 Woodward Street
Austin, TX 78741
Austin, TX 78741
Phone Number
(512) 444-6419
NCUA Charter Number
Website
Largest Competitors
Austin, TX
Austin, TX
Austin, TX
Austin, TX
Austin, TX