San Antonio Citizens Federal Credit Union
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 (4.3 on a scale of 0 to 10). Fair current capitalization (3.1 on a scale of 0 to 10) based on a net capital to total assets of 5.4 and a net worth ratio of 9.5.
Other Rating Factors:
A current level of 2.1 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (10.0). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.1 has resulted in Good (5.8) profitability.
Asset Mix:
Consumer loans (20%), home mtgs (14%), 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
12542 Curley Street
San Antonio, FL 33576
San Antonio, FL 33576
Phone Number
(352) 588-2732
NCUA Charter Number
Website
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