Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 29.6 and a net worth ratio of 0.0. A current level of 0.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.8 has resulted in Excellent (8.4) profitability. Excellent liquidity 7.9, driven by a liquidity ratio of 66.7 percent and a “hot money” ratio of 3.1 percent.
Asset Mix:
Consumer loans (17%), other (83%)
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
3301 South Loop 256
Palestine, TX 75801
Palestine, TX 75801
Phone Number
(903) 729-0207
NCUA Charter Number
Website
Largest Competitors
Live Oak, TX
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Palestine, TX
Palestine, TX