| Weiss Ratings |
Smart Financial Credit Union
Houston, TX |
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| Rating | ||||
| Asset Quality Index | 6.10 | |||
| Capitalization Index | 9.00 | |||
| Liquidity Index | 3.20 | |||
| Profitability Index | 6.60 | |||
| Stability Index | 6.40 | |||
| Company Info |
Smart Financial Credit Union
Houston, TX |
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| NCUA Charter Number | 6019 | |||
| Phone Number | (713) 850-1600 | |||
| Website | www.smartcu.org | |||
| Asset Quality |
Smart Financial Credit Union
Houston, TX |
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| 1-Year Asset Growth | -5.11% | |||
| 5-Year Asset Growth | 2.29% | |||
| 5-Year Charge-Offs to Average Loans | 0.36% | |||
| Charge-Offs to Average Loans | 0.57% | |||
| Non-Performing Assets to Assets | 1.34% | |||
| Non-Performing Loans to Capital | 11.13% | |||
| Non-Performing Loans to Loans | 1.58% | |||
| Balance Sheet |
Smart Financial Credit Union
Houston, TX |
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| Total Assets | 800.55M | |||
| Total Deposits | 694.85M | |||
| Capital and Reserves |
Smart Financial Credit Union
Houston, TX |
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| Capital | 89.32M | |||
| Leverage Ratio | 11.06 | |||
| Loan Loss Reserves to Loans | 1.24% | |||
| Liquidity |
Smart Financial Credit Union
Houston, TX |
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| Hot Money Ratio | 4.32% | |||
| Liquidity Ratio | 18.34% | |||
| Profitability |
Smart Financial Credit Union
Houston, TX |
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| 5-Year Return on Average Assets | 0.32% | |||
| Net Income | 4.18M | |||
| Net Interest Spread | 5.01% | |||
| Operating Profit to Average Assets | 1.39% | |||
| Overhead Efficiency Ratio | 77.15% | |||
| Return on Assets | 0.70% | |||
| Return on Equity | 6.35% | |||