Major Rating Factors:
A current level of 22.0 percent of nonperforming loans to core capital contributes to the Weak asset quality (2.7).
Other Rating Factors:
Weak liquidity 2.1, driven by a liquidity ratio of 13.1 percent and a “hot money” ratio of 0.0 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10).
Asset Mix:
Consumer loans (72%), other (28%)
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
108 Carmon Court
White Oak, TX 75693
White Oak, TX 75693
Phone Number
(903) 297-4522
NCUA Charter Number
Largest Competitors
Live Oak, TX
San Antonio, TX
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