Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 12.6 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.0). Fair liquidity 4.5, driven by a liquidity ratio of 42.3 percent and a “hot money” ratio of 35.5 percent.
Asset Mix:
Consumer loans (61%), home mtgs (3%), comm loans (1%), other (36%)
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
1400 United St
Key West, FL 33040
Key West, FL 33040
Phone Number
(305) 296-8546
NCUA Charter Number
Largest Competitors
Tampa, FL
Jacksonville, FL
Lakeland, FL
Key West, FL
Key West, FL