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 (3.0 on a scale of 0 to 10). Weak current capitalization (1.4 on a scale of 0 to 10) based on a net capital to total assets of 4.6 and a net worth ratio of 9.0.
Other Rating Factors:
A current level of 9.7 percent of nonperforming loans to core capital combined with 8.6 percent from a year earlier contributes to the Good asset quality (6.8). Fair liquidity 5.0, driven by a liquidity ratio of 22.7 percent and a “hot money” ratio of 2.4 percent.
Asset Mix:
Consumer loans (36%), home mtgs (7%), other (57%)
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
1119 Corpus Christi Street
Laredo, TX 78040
Laredo, TX 78040
Phone Number
(956) 722-3971
NCUA Charter Number
Website
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