Major Rating Factors:
Fair current capitalization (4.5 on a scale of 0 to 10) based on a net capital to total assets of 6.8 and a net worth ratio of 7.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 0.5 has resulted in Good (6.3) profitability. A current level of 9.4 percent of nonperforming loans to core capital contributes to the Good asset quality (5.5).
Asset Mix:
Consumer loans (47%), home mtgs (27%), comm loans (1%), other (26%)
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
12611 Fuqua Street
Houston, TX 77034
Houston, TX 77034
Phone Number
(713) 230-8394
NCUA Charter Number
Website
Largest Competitors
Houston, TX
Houston, TX
Houston, TX
Houston, TX
Houston, TX