Major Rating Factors:
Excellent current capitalization (8.6 on a scale of 0 to 10) based on a net capital to total assets of 10.6 and a net worth ratio of 0.0. A current level of 6.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.3).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.4 has resulted in Fair (4.9) profitability.
Asset Mix:
Consumer loans (43%), home mtgs (24%), other (33%)
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
16430 Park Ten Place
Houston, TX 77084
Houston, TX 77084
Phone Number
(713) 676-7777
NCUA Charter Number
Website
Largest Competitors
Houston, TX
Houston, TX
Houston, TX
Houston, TX
Houston, TX