Development
Houston Federal Credit Union
Major Rating Factors:
A current level of 4.1 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Excellent asset quality (8.6). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.1 has resulted in Excellent (7.3) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10). Good current capitalization (5.7 on a scale of 0 to 10) based on a net capital to total assets of 8.1 and a net worth ratio of 9.6.
Asset Mix:
Consumer loans (33%), home mtgs (18%), securities (8%), other (41%)
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
16320 Kensington Drive
Sugar Land, TX 77479
Sugar Land, TX 77479
Phone Number
(281) 243-0500
NCUA Charter Number
Website
Largest Competitors
Live Oak, TX
San Antonio, TX
Sugar Land, TX
Sugar Land, TX
Sugar Land, TX