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 0.4%, coupled with a return on assets of 0.3 has resulted in Weak (2.5) profitability.
Other Rating Factors:
A current level of 10.8 percent of nonperforming loans to core capital combined with 10.8 percent from a year earlier contributes to the Fair asset quality (4.6). Good liquidity 5.2, driven by a liquidity ratio of 41.5 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (60%), other (40%)
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