Development
Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.4 has resulted in Weak (2.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.7 and a net worth ratio of 11.7. A current level of 0.5 percent of nonperforming loans to core capital combined with 8.5 percent from a year earlier contributes to the Excellent asset quality (8.5).
Asset Mix:
Consumer loans (64%), other (36%)
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
419 West Fourth Street
Texarkana, TX 75501
Texarkana, TX 75501
Phone Number
(903) 798-3918
NCUA Charter Number
Website
Largest Competitors
Texarkana, TX
Texarkana, TX
Texarkana, TX
Texarkana, TX
Texarkana, TX