Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.3 and a net worth ratio of 0.0. A current level of 0.2 percent of nonperforming loans to core capital combined with 0.3 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 (7.5 on a scale of 0 to 10). Good liquidity 6.9, driven by a liquidity ratio of 64.7 percent and a “hot money” ratio of 10.7 percent.
Asset Mix:
Consumer loans (32%), home mtgs (2%), other (67%)
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