Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.6 has resulted in Fair (4.6) profitability.
Other Rating Factors:
Fair liquidity 3.7, driven by a liquidity ratio of 17.8 percent and a “hot money” ratio of 8.7 percent. Good current capitalization (5.2 on a scale of 0 to 10) based on a net capital to total assets of 7.5 and a net worth ratio of 11.3.
Asset Mix:
Consumer loans (21%), securities (13%), home mtgs (5%), other (61%)
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
15916 North Florida Avenue
Lutz, FL 33549
Lutz, FL 33549
Phone Number
(813) 264-4969
NCUA Charter Number
Website
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