Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.3 and a net worth ratio of 13.8. Operating profits as a percentage of assets at 2.7%, coupled with a return on assets of 2.8 has resulted in Excellent (9.5) profitability.
Other Rating Factors:
A current level of 2.3 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (9.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10).
Asset Mix:
Consumer loans (34%), home mtgs (11%), securities (9%), other (46%)
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
2401 South 31st Street
Temple, TX 76508
Temple, TX 76508
Phone Number
(254) 778-3199
NCUA Charter Number
Website
Largest Competitors
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Temple, TX