A
Randolph-Brooks Federal Credit Union
Data as of
September 30, 2021
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
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Assets
Capital
Total
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Net
Income
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Major Rating Factors: A current level of 1.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.6 on a scale of 0 to 10).
Other Rating Factors: Excellent current capitalization (9.2 on a scale of 0 to 10) based on a net capital to total assets of 10.7 and a net worth ratio of 10.5. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.7 has resulted in Excellent (8.4) profitability.
Asset Mix: Home mtgs (31%), consumer loans (27%), other (42%)
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
Liquidity
Liquidity Ratio
Hot Money
Corporate Info
Address
One IKEA-RBFCU Parkway
Live Oak, TX 78233
Phone Number
(210) 945-3300
NCUA Charter Number
Weiss Ratings