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 (0.9 on a scale of 0 to 10). Fair current capitalization (3.6 on a scale of 0 to 10) based on a net capital to total assets of 5.9 and a net worth ratio of 0.0.
Other Rating Factors:
Weak liquidity 2.6, driven by a liquidity ratio of 14.1 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Fair (4.4) profitability.
Asset Mix:
Consumer loans (86%), other (14%)
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