Major Rating Factors:
A current level of 2.3 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Excellent asset quality (9.8). Excellent current capitalization (7.7 on a scale of 0 to 10) based on a net capital to total assets of 10.0 and a net worth ratio of 13.7.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10). Fair liquidity 3.6, driven by a liquidity ratio of 17.4 percent and a “hot money” ratio of 28.8 percent.
Asset Mix:
Consumer loans (20%), home mtgs (17%), other (63%)
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
2301 Richmond Road
Texarkana, TX 75503
Texarkana, TX 75503
Phone Number
(903) 223-0000
NCUA Charter Number
Website
Largest Competitors
Texarkana, TX
Texarkana, TX
Texarkana, TX
Texarkana, TX
Texarkana, TX