Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.1 and a net worth ratio of 13.2. A current level of 0.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Good liquidity 6.8, driven by a liquidity ratio of 55.2 percent and a “hot money” ratio of 7.2 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10).
Asset Mix:
Consumer loans (32%), home mtgs (2%), other (66%)
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
660 South M L King Jr Parkway
Beaumont, TX 77701
Beaumont, TX 77701
Phone Number
(409) 899-1035
NCUA Charter Number
Website
Largest Competitors
Beaumont, TX
Beaumont, TX
Beaumont, TX
Beaumont, TX
Beaumont, TX