Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (1.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 20.2 percent of nonperforming loans to core capital contributes to the Weak asset quality (2.7). Fair liquidity 4.6, driven by a liquidity ratio of 35.0 percent and a “hot money” ratio of 8.6 percent.
Asset Mix:
Consumer loans (64%), other (36%)
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
1802 Broadway
Galveston, TX 77550
Galveston, TX 77550
Phone Number
(409) 220-3156
NCUA Charter Number
Website
Largest Competitors
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Galveston, TX