Major Rating Factors:
A current level of 3.6 percent of nonperforming loans to core capital combined with 3.6 percent from a year earlier contributes to the Excellent asset quality (8.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.7 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.7 has resulted in Good (5.1) profitability.
Asset Mix:
Consumer loans (38%), home mtgs (8%), other (54%)
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
1600 Memorial Drive
Houston, TX 77007
Houston, TX 77007
Phone Number
(713) 986-0200
NCUA Charter Number
Website
Largest Competitors
Houston, TX
Houston, TX
Houston, TX
Houston, TX
Houston, TX