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 (3.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.0 has resulted in Very Weak (0.2) profitability.
Other Rating Factors:
A current level of 7.3 percent of nonperforming loans to core capital combined with 3.4 percent from a year earlier contributes to the Good asset quality (6.9). Good current capitalization (6.0 on a scale of 0 to 10) based on a net capital to total assets of 8.4 and a net worth ratio of 8.4.
Asset Mix:
Consumer loans (42%), home mtgs (0%), other (57%)
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
15203 Knoll Trail Drive
Dallas, TX 75248
Dallas, TX 75248
Phone Number
(972) 715-4444
NCUA Charter Number
Website
Largest Competitors
Dallas, TX
Dallas, TX
Dallas, TX
Dallas, TX
Dallas, TX