Major Rating Factors:
A current level of 21.4 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Fair asset quality (3.7). Fair current capitalization (3.4 on a scale of 0 to 10) based on a net capital to total assets of 5.6 and a net worth ratio of 8.0.
Other Rating Factors:
Fair liquidity 3.3, driven by a liquidity ratio of 17.5 percent and a “hot money” ratio of 14.3 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.1 on a scale of 0 to 10).
Asset Mix:
Home mtgs (39%), consumer loans (24%), 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