Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.5 on a scale of 0 to 10). Fair current capitalization (4.6 on a scale of 0 to 10) based on a net capital to total assets of 7.0 and a net worth ratio of 7.0.
Other Rating Factors:
Fair liquidity 3.1, driven by a liquidity ratio of 18.0 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 2.4 has resulted in Good (7.0) profitability.
Asset Mix:
Consumer loans (82%), other (18%)
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
1130 West Camp Wisdom Road
Dallas, TX 75232
Dallas, TX 75232
Phone Number
(214) 672-9180
NCUA Charter Number
Website
Largest Competitors
Dallas, TX
Dallas, TX
Dallas, TX
Dallas, TX
Dallas, TX