Major Rating Factors:
Fair current capitalization (4.5 on a scale of 0 to 10) based on a net capital to total assets of 6.9 and a net worth ratio of 7.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 7.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.2). Weak liquidity 2.5, driven by a liquidity ratio of 15.4 percent and a “hot money” ratio of 31.1 percent.
Asset Mix:
Consumer loans (43%), home mtgs (28%), comm loans (1%), other (28%)
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