Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10). A current level of 11.2 percent of nonperforming loans to core capital contributes to the Good asset quality (5.1).
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 Excellent (7.8) profitability. Good current capitalization (6.6 on a scale of 0 to 10) based on a net capital to total assets of 9.1 and a net worth ratio of 12.1.
Asset Mix:
Consumer loans (66%), comm loans (1%), other (33%)
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
500 Main Street
Kerrville, TX 78028
Kerrville, TX 78028
Phone Number
(830) 896-6801
NCUA Charter Number
Website
Largest Competitors
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Kerrville, TX