Major 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).
Other Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) based on a net capital to total assets of 11.3 and a net worth ratio of 11.3. A current level of 0.2 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (8.6).
Asset Mix:
Consumer loans (56%), home mtgs (10%), other (34%)
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
507 Highway 290, East
Brenham, TX 77833
Brenham, TX 77833
Phone Number
(979) 830-7516
NCUA Charter Number
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