Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Weak (1.7) profitability. A current level of 5.2 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Good asset quality (6.4).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 21.4 and a net worth ratio of 21.4. 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).
Asset Mix:
Consumer loans (49%), other (51%)
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
215 East 15th Street
Bryan, TX 77803
Bryan, TX 77803
Phone Number
(979) 778-8433
NCUA Charter Number
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