Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.4 has resulted in Fair (4.3) profitability.
Other Rating Factors:
Fair liquidity 3.3, driven by a liquidity ratio of 22.1 percent and a “hot money” ratio of 9.0 percent. Good current capitalization (6.7 on a scale of 0 to 10) based on a net capital to total assets of 9.1 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (52%), securities (13%), home mtgs (6%), other (29%)
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
130 Historic Town Square
Lancaster, TX 75146
Lancaster, TX 75146
Phone Number
(972) 218-9266
NCUA Charter Number
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