Development
Community Service Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.1 has resulted in Weak (1.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.2 on a scale of 0 to 10) based on a net capital to total assets of 9.6 and a net worth ratio of 9.6. A current level of 4.8 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Excellent asset quality (7.2).
Asset Mix:
Consumer loans (56%), securities (10%), home mtgs (5%), other (30%)
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
250 FM 2821 Road, West
Huntsville, TX 77320
Huntsville, TX 77320
Phone Number
(936) 295-3980
NCUA Charter Number
Website
Largest Competitors
Live Oak, TX
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Fort Worth, TX
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Huntsville, TX