Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.7 and a net worth ratio of 11.7. A current level of 9.0 percent of nonperforming loans to core capital combined with 5.0 percent from a year earlier contributes to the Excellent asset quality (7.5).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.4 on a scale of 0 to 10). Fair liquidity 4.7, driven by a liquidity ratio of 30.1 percent and a “hot money” ratio of 2.2 percent.
Asset Mix:
Home mtgs (34%), consumer loans (24%), securities (6%), other (37%)
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
4800 Grover Avenue
Austin, TX 78756
Austin, TX 78756
Phone Number
(512) 454-4636
NCUA Charter Number
Website
Largest Competitors
Austin, TX
Austin, TX
Austin, TX
Austin, TX
Austin, TX