Development
Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Weak (2.6) profitability. Good current capitalization (7.0 on a scale of 0 to 10) based on a net capital to total assets of 9.4 and a net worth ratio of 9.6.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10). A current level of 7.8 percent of nonperforming loans to core capital combined with 7.0 percent from a year earlier contributes to the Excellent asset quality (7.1).
Asset Mix:
Consumer loans (30%), home mtgs (26%), other (44%)
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
12208 North Mopac Expressway
Austin, TX 78758
Austin, TX 78758
Phone Number
(512) 435-4545
NCUA Charter Number
Website
Largest Competitors
Austin, TX
Austin, TX
Austin, TX
Austin, TX
Austin, TX