Major Rating Factors:
Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.1 has resulted in Very Weak (0.3) profitability. A current level of 29.7 percent of nonperforming loans to core capital contributes to the Weak asset quality (2.7).
Other Rating Factors:
Weak liquidity 3.0, driven by a liquidity ratio of 11.5 percent and a “hot money” ratio of 16.8 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.0 on a scale of 0 to 10).
Asset Mix:
Home mtgs (35%), consumer loans (31%), other (34%)
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
24 La Salle Avenue
Waco, TX 76706
Waco, TX 76706
Phone Number
(254) 752-2797
NCUA Charter Number
Website
Largest Competitors
Waco, TX
Waco, TX
Waco, TX
Waco, TX