Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.2 has resulted in Fair (4.6) profitability. Fair current capitalization (3.6 on a scale of 0 to 10) based on a net capital to total assets of 5.9 and a net worth ratio of 0.0.
Other Rating Factors:
A current level of 9.5 percent of nonperforming loans to core capital combined with 7.2 percent from a year earlier contributes to the Good asset quality (6.8). Weak liquidity 2.5, driven by a liquidity ratio of 11.8 percent and a “hot money” ratio of 17.4 percent.
Asset Mix:
Home mtgs (28%), consumer loans (27%), other (44%)
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
18211 Katy Freeway
Houston, TX 77094
Houston, TX 77094
Phone Number
(281) 398-9900
NCUA Charter Number
Website
Largest Competitors
Houston, TX
Houston, TX
Houston, TX
Houston, TX
Houston, TX