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 (4.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.0 has resulted in Good (6.5) profitability.
Other Rating Factors:
Good current capitalization (6.8 on a scale of 0 to 10) based on a net capital to total assets of 9.3 and a net worth ratio of 0.0. A current level of 6.3 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Good asset quality (6.6).
Asset Mix:
Consumer loans (31%), home mtgs (19%), other (51%)
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
1101 North IH 35
Austin, TX 78702
Austin, TX 78702
Phone Number
(512) 477-2641
NCUA Charter Number
Website
Largest Competitors
Austin, TX
Austin, TX
Austin, TX
Austin, TX
Austin, TX