Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (1.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 18.1 percent of nonperforming loans to core capital contributes to the Weak asset quality (2.6). Fair liquidity 4.8, driven by a liquidity ratio of 35.1 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (66%), other (34%)
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
13033 1/2 Landmark St
Houston, TX 77045
Houston, TX 77045
Phone Number
(713) 852-1459
NCUA Charter Number
Website
Largest Competitors
Houston, TX
Houston, TX
Houston, TX
Houston, TX
Houston, TX