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 (3.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Fair (3.2) profitability.
Other Rating Factors:
Fair liquidity 3.1, driven by a liquidity ratio of 36.2 percent and a “hot money” ratio of 0.0 percent. A current level of 2.1 percent of nonperforming loans to core capital combined with 7.2 percent from a year earlier contributes to the Excellent asset quality (9.0).
Asset Mix:
Securities (44%), consumer loans (35%), home mtgs (1%), other (20%)
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