Major Rating Factors:
A current level of 13.4 percent of nonperforming loans to core capital combined with 10.3 percent from a year earlier contributes to the Fair asset quality (4.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.1 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.3 has resulted in Good (6.2) profitability. Good current capitalization (5.8 on a scale of 0 to 10) based on a net capital to total assets of 8.2 and a net worth ratio of 8.2.
Asset Mix:
Consumer loans (57%), home mtgs (3%), securities (0%), other (40%)
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