Major Rating Factors:
Weak current capitalization (1.4 on a scale of 0 to 10) based on a net capital to total assets of 4.6 and a net worth ratio of 6.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.5 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.5, driven by a liquidity ratio of 16.5 percent and a “hot money” ratio of 23.1 percent. A current level of 24.4 percent of nonperforming loans to core capital combined with 12.2 percent from a year earlier contributes to the Fair asset quality (3.6).
Asset Mix:
Consumer loans (40%), home mtgs (25%), 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
1200 Belleview Street
Dallas, TX 75215
Dallas, TX 75215
Phone Number
(214) 540-1701
NCUA Charter Number
Website
Largest Competitors
Dallas, TX
Dallas, TX
Dallas, TX
Dallas, TX
Dallas, TX