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 Weak (1.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.1 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 1.9, driven by a liquidity ratio of 5.0 percent and a “hot money” ratio of 16.1 percent. Fair current capitalization (4.3 on a scale of 0 to 10) based on a net capital to total assets of 6.6 and a net worth ratio of 7.8.
Asset Mix:
Home mtgs (33%), consumer loans (30%), comm loans (2%), other (34%)
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