Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Weak (2.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.0 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 3.0, driven by a liquidity ratio of 7.6 percent and a “hot money” ratio of 1.2 percent. Good current capitalization (6.3 on a scale of 0 to 10) based on a net capital to total assets of 8.8 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (39%), securities (25%), home mtgs (16%), other (20%)
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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