Major Rating Factors:
A current level of 1.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.6). Excellent current capitalization (7.4 on a scale of 0 to 10) based on a net capital to total assets of 9.7 and a net worth ratio of 9.7.
Other Rating Factors:
Good liquidity 6.0, driven by a liquidity ratio of 31.4 percent and a “hot money” ratio of 7.3 percent. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (4.8) profitability.
Asset Mix:
Consumer loans (33%), home mtgs (6%), securities (2%), other (58%)
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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