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).
Other Rating Factors:
Fair liquidity 4.0, driven by a liquidity ratio of 20.6 percent and a “hot money” ratio of 8.8 percent. Fair current capitalization (4.4 on a scale of 0 to 10) based on a net capital to total assets of 6.7 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (17%), securities (10%), home mtgs (6%), other (67%)
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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