Major Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.3 has resulted in Weak (2.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 8.5 percent of nonperforming loans to core capital contributes to the Good asset quality (7.0). Good current capitalization (6.8 on a scale of 0 to 10) based on a net capital to total assets of 9.2 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (40%), home mtgs (12%), other (47%)
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
13649 Montfort Drive
Dallas, TX 75240
Dallas, TX 75240
Phone Number
(214) 748-9393
NCUA Charter Number
Website
Largest Competitors
Dallas, TX
Dallas, TX
Dallas, TX
Dallas, TX
Dallas, TX