Major Rating Factors:
Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.0 has resulted in Very Weak (0.0) profitability. An analysis of stability tests since inception including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.0).
Other Rating Factors:
Excellent liquidity 8.0, driven by a liquidity ratio of 81.9 percent and a “hot money” ratio of 0.0 percent. Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 49.4 and a net worth ratio of 49.4.
Asset Mix:
Consumer loans (6%), other (94%)
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
2645 Winrock Blvd
Houston, TX 77057
Houston, TX 77057
Phone Number
(832) 941-9122
NCUA Charter Number
Largest Competitors
Houston, TX
Houston, TX
Houston, TX
Houston, TX
Houston, TX