Major Rating Factors:
A current level of 21.8 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) based on a net capital to total assets of 10.2 and a net worth ratio of 10.3. Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.5 has resulted in Good (6.4) profitability.
Asset Mix:
Home mtgs (40%), consumer loans (33%), comm loans (8%), other (20%)
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
10952 Westheimer Road
Houston, TX 77042
Houston, TX 77042
Phone Number
(800) 839-1154
NCUA Charter Number
Website
Largest Competitors
Houston, TX
Houston, TX
Houston, TX
Houston, TX
Houston, TX