Major Rating Factors:
A current level of 7.9 percent of nonperforming loans to core capital contributes to the Good asset quality (7.0). Good current capitalization (6.8 on a scale of 0 to 10) based on a net capital to total assets of 9.2 and a net worth ratio of 9.5.
Other Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 0.8 has resulted in Good (6.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10).
Asset Mix:
Consumer loans (37%), home mtgs (24%), comm loans (4%), 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