Smart Financial Credit Union

Weiss Ratings	Smart Financial Credit Union Houston, TX	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	7.70
Capitalization Index	6.50
Liquidity Index	3.30
Profitability Index	1.10
Stability Index	5.80

Company Info	Smart Financial Credit Union Houston, TX	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	6019
Phone Number	(713) 850-1600
Website	www.smartcu.org

Asset Quality	Smart Financial Credit Union Houston, TX	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	-0.95%
5-Year Asset Growth	4.36%
5-Year Charge-Offs to Average Loans	0.49%
Charge-Offs to Average Loans	0.23%
Non-Performing Assets to Assets	0.55%
Non-Performing Loans to Capital	6.05%
Non-Performing Loans to Loans	0.20%

Balance Sheet	Smart Financial Credit Union Houston, TX	Click to Compare	Click to Compare	Click to Compare
Total Assets	850.34M
Total Deposits	718.42M

Capital and Reserves	Smart Financial Credit Union Houston, TX	Click to Compare	Click to Compare	Click to Compare
Capital	74.17M
Leverage Ratio	10.04
Loan Loss Reserves to Loans	0.48%

Liquidity	Smart Financial Credit Union Houston, TX	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	3.29%
Liquidity Ratio	18.52%

Profitability	Smart Financial Credit Union Houston, TX	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.44%
Net Income	3.06M
Net Interest Spread	3.18%
Operating Profit to Average Assets	0.41%
Overhead Efficiency Ratio	90.29%
Return on Assets	0.34%
Return on Equity	4.54%