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 (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.2 has resulted in Fair (4.0) profitability.
Other Rating Factors:
Weak liquidity 2.6, driven by a liquidity ratio of 10.4 percent and a “hot money” ratio of 17.1 percent. Excellent current capitalization (8.3 on a scale of 0 to 10) based on a net capital to total assets of 10.4 and a net worth ratio of 0.0.
Asset Mix:
Home mtgs (40%), consumer loans (30%), other (30%)
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