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 (3.5 on a scale of 0 to 10). A current level of 17.3 percent of nonperforming loans to core capital contributes to the Good asset quality (5.3).
Other Rating Factors:
Good current capitalization (6.4 on a scale of 0 to 10) based on a net capital to total assets of 8.9 and a net worth ratio of 10.4. Operating profits as a percentage of assets at 3.2%, coupled with a return on assets of 2.9 has resulted in Good (5.7) profitability.
Asset Mix:
Consumer loans (34%), home mtgs (24%), comm loans (5%), 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