Major Rating Factors:
Excellent current capitalization (7.2 on a scale of 0 to 10) based on a net capital to total assets of 9.6 and a net worth ratio of 0.0. A current level of 7.5 percent of nonperforming loans to core capital combined with 7.7 percent from a year earlier contributes to the Excellent asset quality (7.1).
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 (6.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.6 has resulted in Fair (4.5) profitability.
Asset Mix:
Consumer loans (26%), home mtgs (22%), other (51%)
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
12208 North Mopac Expressway
Austin, TX 78758
Austin, TX 78758
Phone Number
(512) 435-4545
NCUA Charter Number
Website
Largest Competitors
Austin, TX
Austin, TX
Austin, TX
Austin, TX
Austin, TX