Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.3 on a scale of 0 to 10). Fair current capitalization (3.0 on a scale of 0 to 10) based on a net capital to total assets of 5.3 and a net worth ratio of 0.0.
Other Rating Factors:
Weak liquidity 2.9, driven by a liquidity ratio of 18.8 percent and a “hot money” ratio of 24.1 percent. Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.2 has resulted in Fair (3.4) profitability.
Asset Mix:
Consumer loans (39%), home mtgs (24%), other (37%)
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) 319-3100
NCUA Charter Number
Website
Largest Competitors
Dallas, TX
Dallas, TX
Dallas, TX
Dallas, TX
Dallas, TX