Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.9 and a net worth ratio of 14.9. A current level of 1.7 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.0 on a scale of 0 to 10). Fair liquidity 3.5, driven by a liquidity ratio of 32.6 percent and a “hot money” ratio of 2.3 percent.
Asset Mix:
Securities (60%), consumer loans (20%), home mtgs (8%), other (12%)
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
8200 Brookriver Drive
Dallas, TX 75247
Dallas, TX 75247
Phone Number
(214) 630-0611
NCUA Charter Number
Website
Largest Competitors
Dallas, TX
Dallas, TX
Dallas, TX
Dallas, TX
Dallas, TX