Harvesters Federal Credit Union
Major Rating Factors:
Fair current capitalization (4.7 on a scale of 0 to 10) based on a net capital to total assets of 7.0 and a net worth ratio of 8.1. Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.3 has resulted in Fair (4.1) profitability.
Other Rating Factors:
A current level of 18.3 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.0 on a scale of 0 to 10).
Asset Mix:
Consumer loans (51%), home mtgs (14%), comm loans (3%), other (33%)
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
480 S Highway 29
Cantonment, FL 32533
Cantonment, FL 32533
Phone Number
(850) 857-4328
NCUA Charter Number
Website
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