Major Rating Factors:
A current level of 52.1 percent of nonperforming loans to core capital combined with 39.1 percent from a year earlier contributes to the Very Weak asset quality (0.0). Weak current capitalization (1.2 on a scale of 0 to 10) based on a net capital to total assets of 4.6 and a net worth ratio of 4.6.
Other Rating Factors:
Fair liquidity 4.1, driven by a liquidity ratio of 39.3 percent and a “hot money” ratio of 40.9 percent.
Asset Mix:
Consumer loans (71%), other (29%)
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
1199 Pasadena Boulevard
Pasadena, TX 77501
Pasadena, TX 77501
Phone Number
(713) 473-9349
NCUA Charter Number
Website
Largest Competitors
Pasadena, TX
Pasadena, TX
Pasadena, TX
Pasadena, TX
Pasadena, TX