Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.7 on a scale of 0 to 10). A current level of 21.0 percent of nonperforming loans to core capital contributes to the Weak asset quality (1.9).
Other Rating Factors:
Fair liquidity 3.8, driven by a liquidity ratio of 27.7 percent and a “hot money” ratio of 14.2 percent.
Asset Mix:
Consumer loans (69%), other (31%)
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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