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 1.1 has resulted in Weak (2.8) profitability.
Other Rating Factors:
Fair liquidity 3.7, driven by a liquidity ratio of 12.0 percent and a “hot money” ratio of 7.0 percent. Fair current capitalization (4.5 on a scale of 0 to 10) based on a net capital to total assets of 6.8 and a net worth ratio of 8.3.
Asset Mix:
Consumer loans (48%), home mtgs (11%), other (41%)
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
8120 Washington Avenue
Houston, TX 77007
Houston, TX 77007
Phone Number
(713) 864-4438
NCUA Charter Number
Website
Largest Competitors
Houston, TX
Houston, TX
Houston, TX
Houston, TX
Houston, TX