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 (2.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.3 has resulted in Weak (2.7) profitability.
Other Rating Factors:
Weak liquidity 2.9, driven by a liquidity ratio of 11.6 percent and a “hot money” ratio of 15.7 percent. A current level of 26.5 percent of nonperforming loans to core capital combined with 10.3 percent from a year earlier contributes to the Fair asset quality (3.7).
Asset Mix:
Home mtgs (36%), consumer loans (28%), other (36%)
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