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 (5.0 on a scale of 0 to 10). A current level of 17.5 percent of nonperforming loans to core capital combined with 9.9 percent from a year earlier contributes to the Good asset quality (5.0).
Other Rating Factors:
Excellent current capitalization (9.8 on a scale of 0 to 10) based on a net capital to total assets of 11.4 and a net worth ratio of 11.9. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.4 has resulted in Excellent (9.0) profitability.
Asset Mix:
Home mtgs (36%), consumer loans (27%), other (37%)
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
6420 US Highway 290 East
Austin, TX 78723
Austin, TX 78723
Phone Number
(512) 302-6800
NCUA Charter Number
Website
Largest Competitors
Austin, TX
Austin, TX
Austin, TX
Austin, TX
Austin, TX