Major Rating Factors:
A current level of 13.0 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.8). 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).
Other Rating Factors:
Good current capitalization (6.3 on a scale of 0 to 10) based on a net capital to total assets of 8.7 and a net worth ratio of 11.8. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.3 has resulted in Fair (4.4) profitability.
Asset Mix:
Consumer loans (66%), comm loans (0%), other (34%)
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
Live Oak, TX
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Kerrville, TX