Major 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 (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.1 has resulted in Good (6.3) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 26.2 and a net worth ratio of 0.0. A current level of 0.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Asset Mix:
Securities (43%), consumer loans (35%), home mtgs (1%), other (21%)
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
2417 Columbus Avenue
Waco, TX 76701
Waco, TX 76701
Phone Number
(254) 756-6331
NCUA Charter Number
Website
Largest Competitors
Waco, TX
Waco, TX
Waco, TX
Waco, TX