Major Rating Factors:
A current level of 11.3 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Fair asset quality (3.8). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.3 has resulted in Fair (3.7) profitability.
Other Rating Factors:
Excellent current capitalization (7.3 on a scale of 0 to 10) based on a net capital to total assets of 9.7 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (64%), home mtgs (7%), other (28%)
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
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Key West, FL