Major Rating Factors:
A current level of 5.0 percent of nonperforming loans to core capital combined with 4.3 percent from a year earlier contributes to the Excellent asset quality (7.7). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Good (5.8) profitability.
Other Rating Factors:
Good current capitalization (5.4 on a scale of 0 to 10) based on a net capital to total assets of 7.8 and a net worth ratio of 10.1. 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 (36%), home mtgs (20%), other (44%)
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
3022 North Roosevelt Boulevard
Key West, FL 33040
Key West, FL 33040
Phone Number
(305) 294-6622
NCUA Charter Number
Website
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