Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 19.4 and a net worth ratio of 19.4. A current level of 0.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Operating profits as a percentage of assets at 3.0%, coupled with a return on assets of 2.6 has resulted in Excellent (9.0) profitability. Good liquidity 6.5, driven by a liquidity ratio of 53.4 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (35%), other (65%)
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