Major Rating Factors:
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.8 on a scale of 0 to 10). Fair liquidity 4.0, driven by a liquidity ratio of 18.9 percent and a “hot money” ratio of 3.0 percent.
Asset Mix:
Consumer loans (56%), other (44%)
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