Harvesters 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 (4.7 on a scale of 0 to 10). A current level of 18.1 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.3).
Other Rating Factors:
Good current capitalization (6.1 on a scale of 0 to 10) based on a net capital to total assets of 8.5 and a net worth ratio of 9.5. Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.9 has resulted in Good (5.1) profitability.
Asset Mix:
Consumer loans (47%), home mtgs (15%), comm loans (4%), other (34%)
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
Largest Competitors
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