Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.8 has resulted in Good (5.0) profitability.
Other Rating Factors:
A current level of 0.2 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Excellent asset quality (9.9). Excellent current capitalization (9.6 on a scale of 0 to 10) based on a net capital to total assets of 11.2 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (43%), home mtgs (1%), other (57%)
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
309 North Allen Street
Edna, TX 77957
Edna, TX 77957
Phone Number
(361) 782-5745
NCUA Charter Number
Website
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