Valwood Park Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Fair (4.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 5.6, driven by a liquidity ratio of 38.4 percent and a “hot money” ratio of 6.4 percent. A current level of 1.9 percent of nonperforming loans to core capital combined with 5.6 percent from a year earlier contributes to the Excellent asset quality (7.3).
Asset Mix:
Consumer loans (52%), securities (2%), home mtgs (1%), other (46%)
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
1001 East Crosby Road
Carrollton, TX 75006
Carrollton, TX 75006
Phone Number
(972) 446-0540
NCUA Charter Number
Website
Largest Competitors
Live Oak, TX
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