Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (1.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 10.1 percent of nonperforming loans to core capital combined with 26.8 percent from a year earlier contributes to the Fair asset quality (4.3). Fair liquidity 4.4, driven by a liquidity ratio of 30.1 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (49%), other (51%)
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
2190 North Loop West
Houston, TX 77018
Houston, TX 77018
Phone Number
(713) 316-9999
NCUA Charter Number
Website
Largest Competitors
Houston, TX
Houston, TX
Houston, TX
Houston, TX
Houston, TX