Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.0 on a scale of 0 to 10). A current level of 69.7 percent of nonperforming loans to core capital combined with 43.8 percent from a year earlier contributes to the Very Weak asset quality (0.3).
Other Rating Factors:
Weak liquidity 1.2, driven by a liquidity ratio of 7.0 percent and a “hot money” ratio of 16.5 percent.
Asset Mix:
Home mtgs (46%), consumer loans (21%), other (33%)
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
3351 Unicorn Lake Boulevard
Denton, TX 76210
Denton, TX 76210
Phone Number
(940) 565-5423
NCUA Charter Number
Website
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