Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 17.2 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.4 has resulted in Excellent (9.0) profitability.
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 (7.4 on a scale of 0 to 10). Good liquidity 5.4, driven by a liquidity ratio of 35.3 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (54%), other (46%)
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
514 N. L. Robinson Drive
Arlington, TX 76011
Arlington, TX 76011
Phone Number
(817) 261-9325
NCUA Charter Number
Website
Largest Competitors
Live Oak, TX
Arlington, TX
Arlington, TX
Arlington, TX
Arlington, TX