Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.2 has resulted in Weak (1.9) profitability.
Other Rating Factors:
Weak liquidity 2.7, driven by a liquidity ratio of 9.7 percent and a “hot money” ratio of 20.6 percent. Fair current capitalization (4.1 on a scale of 0 to 10) based on a net capital to total assets of 6.4 and a net worth ratio of 7.9.
Asset Mix:
Home mtgs (47%), consumer loans (16%), other (37%)
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