Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 21.0 and a net worth ratio of 21.0. Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 2.4 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.8). Good liquidity 6.6, driven by a liquidity ratio of 70.2 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (45%), other (55%)
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
2323 South Voss Road
Houston, TX 77057
Houston, TX 77057
Phone Number
(713) 331-1072
NCUA Charter Number
Website
Largest Competitors
Houston, TX
Houston, TX
Houston, TX
Houston, TX
Houston, TX