Major Rating Factors:
Excellent current capitalization (9.7 on a scale of 0 to 10) based on a net capital to total assets of 11.3 and a net worth ratio of 11.3. A current level of 2.0 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Excellent asset quality (8.8).
Other Rating Factors:
Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 2.2 has resulted in Good (6.6) profitability. Good liquidity 6.0, driven by a liquidity ratio of 39.5 percent and a “hot money” ratio of 4.9 percent.
Asset Mix:
Consumer loans (38%), home mtgs (7%), other (56%)
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
1408 West Pioneer Drive
Irving, TX 75061
Irving, TX 75061
Phone Number
(972) 259-1233
NCUA Charter Number
Website
Largest Competitors
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Irving, TX