Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Good (5.1) profitability.
Other Rating Factors:
Fair liquidity 3.4, driven by a liquidity ratio of 15.0 percent and a “hot money” ratio of 4.3 percent. Good current capitalization (6.1 on a scale of 0 to 10) based on a net capital to total assets of 8.5 and a net worth ratio of 8.5.
Asset Mix:
Consumer loans (37%), securities (24%), home mtgs (17%), other (22%)
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
1750 West Avenue A
Temple, TX 76504
Temple, TX 76504
Phone Number
(254) 778-7222
NCUA Charter Number
Website
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