Major Rating Factors:
A current level of 7.7 percent of nonperforming loans to core capital combined with 6.4 percent from a year earlier contributes to the Excellent asset quality (7.1). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 0.7 has resulted in Good (6.8) profitability.
Other Rating Factors:
Good current capitalization (6.1 on a scale of 0 to 10) based on a net capital to total assets of 8.5 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (38%), home mtgs (26%), other (35%)
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
8303 North Mo Pac Expressway
Austin, TX 78759
Austin, TX 78759
Phone Number
(512) 467-8080
NCUA Charter Number
Website
Largest Competitors
Austin, TX
Austin, TX
Austin, TX
Austin, TX
Austin, TX