Major Rating Factors:
Weak current capitalization (1.9 on a scale of 0 to 10) based on a net capital to total assets of 4.8 and a net worth ratio of 11.2.
Other 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 (3.1 on a scale of 0 to 10). Fair liquidity 3.7, driven by a liquidity ratio of 8.1 percent and a “hot money” ratio of 12.0 percent.
Asset Mix:
Consumer loans (37%), home mtgs (12%), securities (0%), 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
8404 FM 1960 Bypass West Road
Humble, TX 77338
Humble, TX 77338
Phone Number
(281) 449-0109
NCUA Charter Number
Website
Largest Competitors
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Humble, TX