Valwood Park Federal Credit Union

Carrollton, TX

Rating Date

May 2024

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

Net
Income

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Major Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.7 on a scale of 0 to 10).

Other Rating Factors: Fair current capitalization (3.4 on a scale of 0 to 10) based on a net capital to total assets of 5.7 and a net worth ratio of 5.7. Fair liquidity 4.8, driven by a liquidity ratio of 33.8 percent and a “hot money” ratio of 5.5 percent.

Asset Mix: Other (100%)

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