Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 19.1 and a net worth ratio of 0.0. A current level of 1.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.9).
Other Rating Factors:
Operating profits as a percentage of assets at 3.1%, coupled with a return on assets of 3.3 has resulted in Excellent (9.8) profitability. Good liquidity 6.1, driven by a liquidity ratio of 50.4 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (38%), other (62%)
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
1717 Turning Basin Drive
Houston, TX 77029
Houston, TX 77029
Phone Number
(713) 673-5565
NCUA Charter Number
Website
Largest Competitors
Houston, TX
Houston, TX
Houston, TX
Houston, TX
Houston, TX