A
East Texas Professional Credit Union
Longview, TX
Data as of
June 30, 2021
Risk Based
Capital Ratio
17.83
Leverage
Ratio
17.77
Return On
Assets
1.35%
Total
Assets
912.73M
Capital
162.71M
Total
Deposits
737.98M
Net
Income
5.96M
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Major Rating Factors: Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 17.8 and a net worth ratio of 17.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (10.0 on a scale of 0 to 10).
Other Rating Factors: A current level of 1.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.9). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Excellent (9.5) profitability.
Asset Mix: Consumer loans (34%), home mtgs (17%), other (50%)
Asset Quality
Non-Performing Loans to Capital
1.17%
Non-Performing Assets to Assets
0.21%
Non-Performing Loans to Loans
0.35%
Loan Loss Reserves to Loans
0.30%
Charge-Offs to Average Loans
0.16%
5-Year Charge-Offs to Average Loans
0.30%
5-Year Asset Growth
8.42%
1-Year Asset Growth
18.22%
Profitability
Operating Profit to Average Assets
1.35%
Return on Equity
7.46%
Net Interest Spread
3.83%
5-Year ROAA (Return on Average Assets)
1.61%
Overhead Efficiency Ratio
65.52%
Liquidity
Liquidity Ratio
48.41%
Hot Money
9.57%
Corporate Info
Address
409 East Loop 281
Longview, TX 75605
Phone Number
(903) 323-0230
NCUA Charter Number
Weiss Ratings