Major Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) based on a net capital to total assets of 10.4 and a net worth ratio of 10.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 16.8 percent of nonperforming loans to core capital combined with 18.7 percent from a year earlier contributes to the Fair asset quality (4.7). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.6 has resulted in Fair (4.7) profitability.
Asset Mix:
Consumer loans (59%), home mtgs (7%), securities (1%), other (33%)
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
9998 Almeda Genoa Road
Houston, TX 77075
Houston, TX 77075
Phone Number
(713) 970-6200
NCUA Charter Number
Website
Largest Competitors
Houston, TX
Houston, TX
Houston, TX
Houston, TX
Houston, TX