Major Rating Factors:
Fair current capitalization (3.8 on a scale of 0 to 10) based on a net capital to total assets of 6.1 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.3 has resulted in Fair (3.2) profitability.
Other Rating Factors:
A current level of 4.4 percent of nonperforming loans to core capital combined with 6.2 percent from a year earlier contributes to the Excellent asset quality (7.7). Weak liquidity 3.0, driven by a liquidity ratio of 13.7 percent and a “hot money” ratio of 13.4 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