Major Rating Factors:
Fair current capitalization (4.5 on a scale of 0 to 10) based on a net capital to total assets of 6.9 and a net worth ratio of 8.8. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.7 has resulted in Fair (3.5) profitability.
Other Rating Factors:
A current level of 4.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.9). Fair liquidity 3.3, driven by a liquidity ratio of 17.8 percent and a “hot money” ratio of 24.8 percent.
Asset Mix:
Consumer loans (31%), home mtgs (16%), comm loans (4%), 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
7025 Eastex Freeway
Beaumont, TX 77706
Beaumont, TX 77706
Phone Number
(409) 898-3770
NCUA Charter Number
Website
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Beaumont, TX
Beaumont, TX
Beaumont, TX
Beaumont, TX
Beaumont, TX