Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.2 and a net worth ratio of 13.6. Operating profits as a percentage of assets at 3.4%, coupled with a return on assets of 3.6 has resulted in Excellent (8.5) profitability.
Other Rating Factors:
A current level of 0.5 percent of nonperforming loans to core capital combined with 6.4 percent from a year earlier contributes to the Excellent asset quality (7.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (69%), other (31%)
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
4345 Allen Genoa Road
Pasadena, TX 77504
Pasadena, TX 77504
Phone Number
(713) 946-6513
NCUA Charter Number
Website
Largest Competitors
Pasadena, TX
Pasadena, TX
Pasadena, TX
Pasadena, TX
Pasadena, TX