Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 20.1 and a net worth ratio of 20.1. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.6 has resulted in Excellent (9.5) 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 (8.8). Good liquidity 6.3, driven by a liquidity ratio of 65.4 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (48%), other (52%)
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