Development
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.5 on a scale of 0 to 10). Fair current capitalization (4.0 on a scale of 0 to 10) based on a net capital to total assets of 6.3 and a net worth ratio of 7.8.
Other Rating Factors:
Fair liquidity 3.4, driven by a liquidity ratio of 10.2 percent and a “hot money” ratio of 6.1 percent. A current level of 13.2 percent of nonperforming loans to core capital combined with 16.0 percent from a year earlier contributes to the Fair asset quality (4.4).
Asset Mix:
Consumer loans (51%), home mtgs (11%), other (39%)
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
8120 Washington Avenue
Houston, TX 77007
Houston, TX 77007
Phone Number
(713) 864-4438
NCUA Charter Number
Website
Largest Competitors
Houston, TX
Houston, TX
Houston, TX
Houston, TX
Houston, TX