Associated Credit Union of Texas
Major Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) based on a net capital to total assets of 11.1 and a net worth ratio of 11.6. Operating profits as a percentage of assets at 3.0%, coupled with a return on assets of 1.5 has resulted in Excellent (8.1) profitability.
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 (6.7 on a scale of 0 to 10). A current level of 9.8 percent of nonperforming loans to core capital contributes to the Good asset quality (5.3).
Asset Mix:
Consumer loans (54%), home mtgs (14%), comm loans (2%), other (30%)
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
Houston, TX
Corpus Christi, TX