San Antonio Citizens Federal Credit Union
Major Rating Factors:
A current level of 1.4 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Excellent asset quality (10.0). Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.0 has resulted in Excellent (8.2) profitability.
Other Rating Factors:
Fair current capitalization (4.9 on a scale of 0 to 10) based on a net capital to total assets of 7.3 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 (4.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (18%), home mtgs (13%), other (70%)
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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