Major Rating Factors:
Fair current capitalization (4.7 on a scale of 0 to 10) based on a net capital to total assets of 7.0 and a net worth ratio of 8.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 16.6 percent of nonperforming loans to core capital contributes to the Good asset quality (5.5). Weak liquidity 2.1, driven by a liquidity ratio of 7.5 percent and a “hot money” ratio of 20.2 percent.
Asset Mix:
Consumer loans (31%), home mtgs (19%), comm loans (7%), other (43%)
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
900 West Bethany Drive
Allen, TX 75013
Allen, TX 75013
Phone Number
(214) 818-3231
NCUA Charter Number
Website
Largest Competitors
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