Major Rating Factors:
Other Rating Factors:
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). Fair liquidity 4.5, driven by a liquidity ratio of 14.5 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (59%), other (41%)
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