Major Rating Factors:
Excellent current capitalization (8.8 on a scale of 0 to 10) based on a net capital to total assets of 10.7 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 18.5 percent of nonperforming loans to core capital combined with 16.8 percent from a year earlier contributes to the Fair asset quality (4.4). Weak liquidity 2.9, driven by a liquidity ratio of 10.3 percent and a “hot money” ratio of 7.7 percent.
Asset Mix:
Consumer loans (59%), home mtgs (9%), securities (0%), other (32%)
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