Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 22.6 and a net worth ratio of 22.6. A current level of 0.4 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (8.7).
Asset Mix:
Consumer loans (58%), securities (6%), other (36%)
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
4100-A Greenshadow Drive
Pasadena, TX 77503
Pasadena, TX 77503
Phone Number
(281) 476-9388
NCUA Charter Number
Largest Competitors
Pasadena, TX
Pasadena, TX
Pasadena, TX
Pasadena, TX
Pasadena, TX