Development
Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.4 has resulted in Weak (2.2) profitability. Good current capitalization (5.5 on a scale of 0 to 10) based on a net capital to total assets of 7.8 and a net worth ratio of 8.0.
Other Rating Factors:
A current level of 9.7 percent of nonperforming loans to core capital combined with 6.6 percent from a year earlier contributes to the Good asset quality (6.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (41%), home mtgs (29%), other (30%)
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
10000 North Central Expressway
Dallas, TX 75231
Dallas, TX 75231
Phone Number
(800) 322-2709
NCUA Charter Number
Website
Largest Competitors
Dallas, TX
Dallas, TX
Dallas, TX
Dallas, TX
Dallas, TX