Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 17.0 and a net worth ratio of 17.0. A current level of 6.7 percent of nonperforming loans to core capital contributes to the Good asset quality (6.2).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.0 has resulted in Good (6.1) profitability. Good liquidity 5.1, driven by a liquidity ratio of 33.3 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (57%), other (43%)
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