Major Rating Factors:
A current level of 0.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). 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 10.4.
Other Rating Factors:
Good liquidity 5.9, driven by a liquidity ratio of 31.4 percent and a “hot money” ratio of 8.1 percent. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Good (5.5) profitability.
Asset Mix:
Consumer loans (37%), home mtgs (6%), securities (1%), other (56%)
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
24909 Kuykendahl Road
Tomball, TX 77375
Tomball, TX 77375
Phone Number
(713) 595-3400
NCUA Charter Number
Website
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