Associated Credit Union of Texas
Major Rating Factors:
Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 0.4 has resulted in Fair (3.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.8 on a scale of 0 to 10) based on a net capital to total assets of 9.2 and a net worth ratio of 10.1. A current level of 7.7 percent of nonperforming loans to core capital combined with 6.2 percent from a year earlier contributes to the Good asset quality (5.9).
Asset Mix:
Consumer loans (50%), home mtgs (14%), other (37%)
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
1095 West League City Parkway
League City, TX 77573
League City, TX 77573
Phone Number
(281) 479-3441
NCUA Charter Number
Website
Largest Competitors
Live Oak, TX
San Antonio, TX
Fort Worth, TX
Lake Jackson, TX
Corpus Christi, TX