Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 32.0 and a net worth ratio of 0.0. A current level of 0.2 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Excellent liquidity 7.8, driven by a liquidity ratio of 65.0 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.0 has resulted in Good (6.5) profitability.
Asset Mix:
Consumer loans (20%), other (80%)
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
2285 NW 19th Street
Paris, TX 75460
Paris, TX 75460
Phone Number
(903) 784-6861
NCUA Charter Number
Website
Largest Competitors
Live Oak, TX
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Paris, TX