Brownsville City Employees Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 28.3 and a net worth ratio of 28.3. A current level of 0.3 percent of nonperforming loans to core capital combined with 3.3 percent from a year earlier contributes to the Excellent asset quality (9.8).
Other Rating Factors:
Operating profits as a percentage of assets at 2.6%, coupled with a return on assets of 2.6 has resulted in Excellent (9.6) profitability. Good liquidity 6.4, driven by a liquidity ratio of 74.7 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (44%), other (56%)
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
1001 East Elizabeth Street
Brownsville, TX 78520
Brownsville, TX 78520
Phone Number
(956) 548-6041
NCUA Charter Number
Largest Competitors
Live Oak, TX
San Antonio, TX
Fort Worth, TX
Lake Jackson, TX
Brownsville, TX