Major Rating Factors:
A current level of 22.5 percent of nonperforming loans to core capital contributes to the Weak asset quality (2.5).
Other 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 (4.6 on a scale of 0 to 10). Fair liquidity 4.9, driven by a liquidity ratio of 39.4 percent and a “hot money” ratio of 8.5 percent.
Asset Mix:
Consumer loans (60%), other (40%)
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
14041 Delaney Street
La Marque, TX 77568
La Marque, TX 77568
Phone Number
(409) 908-9834
NCUA Charter Number
Website
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