Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Good current capitalization (6.0 on a scale of 0 to 10) based on a net capital to total assets of 8.4 and a net worth ratio of 8.8.
Other Rating Factors:
A current level of 6.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.1). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.5 has resulted in Good (6.0) profitability.
Asset Mix:
Consumer loans (43%), home mtgs (23%), comm loans (7%), other (27%)
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
3700 Skyline Drive
Nederland, TX 77627
Nederland, TX 77627
Phone Number
(409) 962-8793
NCUA Charter Number
Website
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