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 (2.8 on a scale of 0 to 10). Good current capitalization (6.1 on a scale of 0 to 10) based on a net capital to total assets of 8.5 and a net worth ratio of 0.0.
Other Rating Factors:
Fair liquidity 3.9, driven by a liquidity ratio of 15.7 percent and a “hot money” ratio of 8.2 percent. Operating profits as a percentage of assets at 5.1%, coupled with a return on assets of 3.2 has resulted in Good (6.2) profitability.
Asset Mix:
Consumer loans (36%), home mtgs (19%), other (45%)
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
4901 Old Jacksonville Highway
Tyler, TX 75703
Tyler, TX 75703
Phone Number
(903) 595-3604
NCUA Charter Number
Website
Largest Competitors
Tyler, TX
Tyler, TX
Tyler, TX
Tyler, TX
Tyler, TX