Valwood Park Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.2 has resulted in Fair (3.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 5.4, driven by a liquidity ratio of 30.9 percent and a “hot money” ratio of 6.6 percent. A current level of 5.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.2).
Asset Mix:
Consumer loans (50%), home mtgs (0%), other (49%)
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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