| Weiss Ratings |
Smart Financial Credit Union
Houston, TX |
Click to Compare |
Click to Compare |
Click to Compare |
| Rating | ||||
| Asset Quality Index | 7.80 | |||
| Capitalization Index | 6.00 | |||
| Liquidity Index | 4.10 | |||
| Profitability Index | 3.50 | |||
| Stability Index | 5.60 | |||
| Company Info |
Smart Financial Credit Union
Houston, TX |
Click to Compare |
Click to Compare |
Click to Compare |
| NCUA Charter Number | 6019 | |||
| Phone Number | (713) 850-1600 | |||
| Website | www.smartcu.org | |||
| Asset Quality |
Smart Financial Credit Union
Houston, TX |
Click to Compare |
Click to Compare |
Click to Compare |
| 1-Year Asset Growth | 3.83% | |||
| 5-Year Asset Growth | 4.31% | |||
| 5-Year Charge-Offs to Average Loans | 0.40% | |||
| Charge-Offs to Average Loans | 0.43% | |||
| Non-Performing Assets to Assets | 0.49% | |||
| Non-Performing Loans to Capital | 5.65% | |||
| Non-Performing Loans to Loans | 0.18% | |||
| Balance Sheet |
Smart Financial Credit Union
Houston, TX |
Click to Compare |
Click to Compare |
Click to Compare |
| Total Assets | 885.48M | |||
| Total Deposits | 714.73M | |||
| Capital and Reserves |
Smart Financial Credit Union
Houston, TX |
Click to Compare |
Click to Compare |
Click to Compare |
| Capital | 73.17M | |||
| Leverage Ratio | 9.44 | |||
| Loan Loss Reserves to Loans | 0.84% | |||
| Liquidity |
Smart Financial Credit Union
Houston, TX |
Click to Compare |
Click to Compare |
Click to Compare |
| Hot Money Ratio | 3.26% | |||
| Liquidity Ratio | 23.72% | |||
| Profitability |
Smart Financial Credit Union
Houston, TX |
Click to Compare |
Click to Compare |
Click to Compare |
| 5-Year Return on Average Assets | 0.38% | |||
| Net Income | 317.00K | |||
| Net Interest Spread | 3.74% | |||
| Operating Profit to Average Assets | 0.32% | |||
| Overhead Efficiency Ratio | 92.79% | |||
| Return on Assets | 0.15% | |||
| Return on Equity | 1.75% | |||