Major Rating Factors:
A current level of 52.0 percent of nonperforming loans to core capital combined with 10.2 percent from a year earlier contributes to the Very Weak asset quality (0.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.1 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Fair (3.5) profitability. Fair liquidity 4.8, driven by a liquidity ratio of 34.3 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (53%), other (47%)
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