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). Good current capitalization (5.0 on a scale of 0 to 10) based on a net capital to total assets of 7.4 and a net worth ratio of 8.4.
Other Rating Factors:
A current level of 2.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.7). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.4 has resulted in Good (6.4) profitability.
Asset Mix:
Comm loans (39%), home mtgs (23%), consumer loans (13%), other (24%)
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
2315 Mangum Road
Houston, TX 77092
Houston, TX 77092
Phone Number
(713) 681-0339
NCUA Charter Number
Website
Largest Competitors
Houston, TX
Houston, TX
Houston, TX
Houston, TX
Houston, TX