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 (4.2 on a scale of 0 to 10). Fair current capitalization (3.8 on a scale of 0 to 10) based on a net capital to total assets of 6.1 and a net worth ratio of 8.0.
Other Rating Factors:
A current level of 7.2 percent of nonperforming loans to core capital combined with 7.6 percent from a year earlier contributes to the Excellent asset quality (7.4). Weak liquidity 2.2, driven by a liquidity ratio of 7.2 percent and a “hot money” ratio of 13.8 percent.
Asset Mix:
Consumer loans (31%), home mtgs (24%), other (45%)
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
18211 Katy Freeway
Houston, TX 77094
Houston, TX 77094
Phone Number
(281) 754-1161
NCUA Charter Number
Website
Largest Competitors
Houston, TX
Houston, TX
Houston, TX
Houston, TX
Houston, TX