Major Rating Factors:
Fair current capitalization (4.8 on a scale of 0 to 10) based on a net capital to total assets of 7.1 and a net worth ratio of 11.3. Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.2 has resulted in Weak (2.9) profitability.
Other Rating Factors:
A current level of 4.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.2). Fair liquidity 3.5, driven by a liquidity ratio of 7.3 percent and a “hot money” ratio of 12.7 percent.
Asset Mix:
Consumer loans (36%), home mtgs (13%), other (52%)
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
8404 FM 1960 Bypass West Road
Humble, TX 77338
Humble, TX 77338
Phone Number
(281) 449-0109
NCUA Charter Number
Website
Largest Competitors
Live Oak, TX
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Humble, TX