Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.7 and a net worth ratio of 15.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 6.2 percent of nonperforming loans to core capital contributes to the Good asset quality (6.5). Good liquidity 5.4, driven by a liquidity ratio of 42.9 percent and a “hot money” ratio of 10.1 percent.
Asset Mix:
Consumer loans (49%), 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
3711 Frankston Highway
Tyler, TX 75701
Tyler, TX 75701
Phone Number
(903) 592-8012
NCUA Charter Number
Website
Largest Competitors
Tyler, TX
Tyler, TX
Tyler, TX
Tyler, TX
Tyler, TX