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 (4.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 12.7 percent of nonperforming loans to core capital combined with 10.5 percent from a year earlier contributes to the Good asset quality (6.1). Good current capitalization (6.1 on a scale of 0 to 10) based on a net capital to total assets of 8.5 and a net worth ratio of 9.1.
Asset Mix:
Home mtgs (30%), consumer loans (27%), other (43%)
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
5640 Democracy Drive
Plano, TX 75024
Plano, TX 75024
Phone Number
(800) 337-3328
NCUA Charter Number
Website
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