Major Rating Factors:
A current level of 242.3 percent of nonperforming loans to core capital contributes to the Very Weak asset quality (0.0).
Other Rating Factors:
Fair current capitalization (3.7 on a scale of 0 to 10) based on a net capital to total assets of 6.0 and a net worth ratio of 6.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (59%), other (41%)
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
6011 West Orem Drive
Houston, TX 77085
Houston, TX 77085
Phone Number
(713) 726-2515
NCUA Charter Number
Website
Largest Competitors
Houston, TX
Houston, TX
Houston, TX
Houston, TX
Houston, TX