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 (1.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.2 has resulted in Weak (2.1) profitability.
Other Rating Factors:
Weak liquidity 2.2, driven by a liquidity ratio of 5.1 percent and a “hot money” ratio of 21.9 percent. A current level of 22.4 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.3).
Asset Mix:
Home mtgs (47%), consumer loans (18%), other (35%)
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
1424 WSW 323 Loop
Tyler, TX 75701
Tyler, TX 75701
Phone Number
(903) 561-2603
NCUA Charter Number
Website
Largest Competitors
Tyler, TX
Tyler, TX
Tyler, TX
Tyler, TX
Tyler, TX