Major Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) based on a net capital to total assets of 11.5 and a net worth ratio of 0.0. A current level of 8.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.2).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.4 has resulted in Fair (3.8) profitability.
Asset Mix:
Consumer loans (30%), securities (23%), home mtgs (14%), other (32%)
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
7474 Ferguson Road
Dallas, TX 75228
Dallas, TX 75228
Phone Number
(214) 515-0100
NCUA Charter Number
Website
Largest Competitors
Dallas, TX
Dallas, TX
Dallas, TX
Dallas, TX
Dallas, TX