Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). A current level of 7.7 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.9).
Other Rating Factors:
Weak liquidity 1.7, driven by a liquidity ratio of 8.7 percent and a “hot money” ratio of 12.6 percent. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Good (5.4) profitability.
Asset Mix:
Consumer loans (74%), other (26%)
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
200 South Queen Street
Palestine, TX 75801
Palestine, TX 75801
Phone Number
(903) 729-3226
NCUA Charter Number
Website
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Palestine, TX