N C E Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Good (6.5) profitability.
Other Rating Factors:
Good liquidity 5.7, driven by a liquidity ratio of 55.1 percent and a “hot money” ratio of 26.3 percent. A current level of 4.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.5).
Asset Mix:
Consumer loans (45%), other (55%)
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
County Courthouse
Corpus Christi, TX 78401
Corpus Christi, TX 78401
Phone Number
(361) 882-4780
NCUA Charter Number
Website
Largest Competitors
Corpus Christi, TX
Corpus Christi, TX
Corpus Christi, TX
Corpus Christi, TX
Corpus Christi, TX