121 Financial Credit Union
Major Rating Factors:
Fair current capitalization (5.0 on a scale of 0 to 10) based on a net capital to total assets of 7.3 and a net worth ratio of 9.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 10.1 percent of nonperforming loans to core capital combined with 7.3 percent from a year earlier contributes to the Good asset quality (6.7). Fair liquidity 3.2, driven by a liquidity ratio of 12.5 percent and a “hot money” ratio of 6.6 percent.
Asset Mix:
Consumer loans (28%), home mtgs (16%), other (55%)
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
701 Riverside Park Place
Jacksonville, FL 32204
Jacksonville, FL 32204
Phone Number
(904) 723-6300
NCUA Charter Number
Website
Largest Competitors
Jacksonville, FL
Jacksonville, FL
Jacksonville, FL
Jacksonville, FL
Jacksonville, FL
