Major Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Excellent (9.8) profitability. Excellent current capitalization (9.5 on a scale of 0 to 10) based on a net capital to total assets of 11.2 and a net worth ratio of 0.0.
Other Rating Factors:
A current level of 4.2 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Excellent asset quality (7.6). Good liquidity 5.9, driven by a liquidity ratio of 42.6 percent and a “hot money” ratio of 4.9 percent.
Asset Mix:
Consumer loans (34%), home mtgs (4%), other (62%)
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
13016 Highway 287
Haslet, TX 76052
Haslet, TX 76052
Phone Number
(682) 207-3886
NCUA Charter Number
Website
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