Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 39.3 and a net worth ratio of 39.3. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Excellent (7.4) profitability. Good liquidity 6.6, driven by a liquidity ratio of 83.1 percent and a “hot money” ratio of 16.0 percent.
Asset Mix:
Consumer loans (27%), home mtgs (2%), other (72%)
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
4421 West Loop 281
Longview, TX 75604
Longview, TX 75604
Phone Number
(903) 753-1150
NCUA Charter Number
Largest Competitors
Live Oak, TX
San Antonio, TX
Longview, TX
Longview, TX
Longview, TX