Major Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) based on a net capital to total assets of 10.5 and a net worth ratio of 11.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 13.9 percent of nonperforming loans to core capital contributes to the Good asset quality (6.1). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 0.5 has resulted in Good (5.4) profitability.
Asset Mix:
Consumer loans (34%), home mtgs (23%), comm loans (2%), other (41%)
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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