Wellby Financial Federal Credit Union

Weiss Ratings	JSC Federal Credit Union Houston, TX	Click to Compare	Click to Compare	Click to Compare
Rating	B
Asset Quality Index	7.50
Capitalization Index	8.00
Liquidity Index	3.00
Profitability Index	5.10
Stability Index	6.50

Company Info	JSC Federal Credit Union Houston, TX	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	2824
Phone Number	(281) 488-7070
Website	www.wellbyfinancial.com

Asset Quality	JSC Federal Credit Union Houston, TX	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	6.72%
5-Year Asset Growth	4.45%
5-Year Charge-Offs to Average Loans	0.34%
Charge-Offs to Average Loans	0.49%
Non-Performing Assets to Assets	0.71%
Non-Performing Loans to Capital	6.56%
Non-Performing Loans to Loans	0.83%

Balance Sheet	JSC Federal Credit Union Houston, TX	Click to Compare	Click to Compare	Click to Compare
Total Assets	2.66B
Total Deposits	2.35B

Capital and Reserves	JSC Federal Credit Union Houston, TX	Click to Compare	Click to Compare	Click to Compare
Capital	269.59M
Leverage Ratio	11.75
Loan Loss Reserves to Loans	0.93%

Liquidity	JSC Federal Credit Union Houston, TX	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	17.18%
Liquidity Ratio	18.01%

Profitability	JSC Federal Credit Union Houston, TX	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.62%
Net Income	17.07M
Net Interest Spread	2.90%
Operating Profit to Average Assets	0.99%
Overhead Efficiency Ratio	73.40%
Return on Assets	0.66%
Return on Equity	6.64%