Major Rating Factors:
A current level of 4.2 percent of nonperforming loans to core capital combined with 3.3 percent from a year earlier contributes to the Excellent asset quality (8.3). Excellent current capitalization (7.5 on a scale of 0 to 10) based on a net capital to total assets of 9.8 and a net worth ratio of 0.0.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10). Weak liquidity 2.7, driven by a liquidity ratio of 17.0 percent and a “hot money” ratio of 14.3 percent.
Asset Mix:
Consumer loans (42%), home mtgs (22%), other (35%)
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
2221 East Lamar Boulevard
Arlington, TX 76006
Arlington, TX 76006
Phone Number
(214) 413-5588
NCUA Charter Number
Website
Largest Competitors
Live Oak, TX
Arlington, TX
Arlington, TX
Arlington, TX
Arlington, TX