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 (6.7 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.3, driven by a liquidity ratio of 43.1 percent and a “hot money” ratio of 29.6 percent. A current level of 5.4 percent of nonperforming loans to core capital contributes to the Good asset quality (6.7).
Asset Mix:
Consumer loans (51%), other (49%)
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
550 Lindbergh Drive
Beaumont, TX 77707
Beaumont, TX 77707
Phone Number
(409) 842-2560
NCUA Charter Number
Largest Competitors
Beaumont, TX
Beaumont, TX
Beaumont, TX
Beaumont, TX
Beaumont, TX