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 (1.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Weak (2.3) profitability.
Other Rating Factors:
Fair liquidity 4.1, driven by a liquidity ratio of 22.8 percent and a “hot money” ratio of 6.8 percent. Fair current capitalization (4.5 on a scale of 0 to 10) based on a net capital to total assets of 6.9 and a net worth ratio of 6.9.
Asset Mix:
Consumer loans (38%), home mtgs (16%), other (46%)
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