Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10). Fair current capitalization (4.9 on a scale of 0 to 10) based on a net capital to total assets of 7.2 and a net worth ratio of 9.1.
Other Rating Factors:
A current level of 3.4 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (9.3). Fair liquidity 4.0, driven by a liquidity ratio of 13.0 percent and a “hot money” ratio of 2.0 percent.
Asset Mix:
Consumer loans (31%), home mtgs (21%), other (48%)
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
10806 Metric Boulevard
Austin, TX 78758
Austin, TX 78758
Phone Number
(512) 339-9812
NCUA Charter Number
Website
Largest Competitors
Austin, TX
Austin, TX
Austin, TX
Austin, TX
Austin, TX