Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 22.1 and a net worth ratio of 22.6. Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 2.0 has resulted in Excellent (7.3) profitability.
Other Rating Factors:
Excellent liquidity 7.9, driven by a liquidity ratio of 87.9 percent and a “hot money” ratio of 0.0 percent. A current level of 7.4 percent of nonperforming loans to core capital combined with 6.6 percent from a year earlier contributes to the Good asset quality (6.9).
Asset Mix:
Consumer loans (27%), other (73%)
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
4160 W Spring Creek Pkwy
Plano, TX 75024
Plano, TX 75024
Phone Number
(903) 213-6010
NCUA Charter Number
Website
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