Development
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 13.9 percent of nonperforming loans to core capital combined with 24.3 percent from a year earlier contributes to the Fair asset quality (4.2). Fair liquidity 4.3, driven by a liquidity ratio of 24.6 percent and a “hot money” ratio of 7.2 percent.
Asset Mix:
Consumer loans (57%), 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
3801 Texas Boulevard
Texarkana, TX 75503
Texarkana, TX 75503
Phone Number
(903) 794-8216
NCUA Charter Number
Largest Competitors
Texarkana, TX
Texarkana, TX
Texarkana, TX
Texarkana, TX
Texarkana, TX