Major Rating Factors:
Fair current capitalization (3.4 on a scale of 0 to 10) based on a net capital to total assets of 5.7 and a net worth ratio of 8.6.
Other Rating Factors:
Weak liquidity 2.9, driven by a liquidity ratio of 18.2 percent and a “hot money” ratio of 18.5 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Asset Mix:
Consumer loans (35%), home mtgs (15%), other (51%)
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