Major Rating Factors:
A current level of 18.2 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Weak asset quality (3.0). 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).
Other Rating Factors:
Fair liquidity 4.2, driven by a liquidity ratio of 30.4 percent and a “hot money” ratio of 0.0 percent. Excellent current capitalization (7.8 on a scale of 0 to 10) based on a net capital to total assets of 10.0 and a net worth ratio of 10.0.
Asset Mix:
Consumer loans (65%), other (35%)
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
2904 East Stan Schlueter Loop
Killeen, TX 76542
Killeen, TX 76542
Phone Number
(254) 634-8014
NCUA Charter Number
Website
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