Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 18.9 and a net worth ratio of 18.9. Operating profits as a percentage of assets at 3.6%, coupled with a return on assets of 3.4 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 2.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.5). Excellent liquidity 7.4, driven by a liquidity ratio of 104.7 percent and a “hot money” ratio of 10.4 percent.
Asset Mix:
Consumer loans (32%), other (68%)
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
1535 Greensmark Drive
Houston, TX 77067
Houston, TX 77067
Phone Number
(281) 876-7576
NCUA Charter Number
Website
Largest Competitors
Houston, TX
Houston, TX
Houston, TX
Houston, TX
Houston, TX