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). Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.3 has resulted in Weak (2.0) profitability.
Other Rating Factors:
A current level of 15.3 percent of nonperforming loans to core capital combined with 18.3 percent from a year earlier contributes to the Fair asset quality (4.1). Good current capitalization (5.0 on a scale of 0 to 10) based on a net capital to total assets of 7.4 and a net worth ratio of 7.4.
Asset Mix:
Consumer loans (50%), other (50%)
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
P.O. Box 450206
Houston, TX 77245
Houston, TX 77245
Phone Number
(713) 852-1459
NCUA Charter Number
Website
Largest Competitors
Houston, TX
Houston, TX
Houston, TX
Houston, TX
Houston, TX