Major Rating Factors:
A current level of 3.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.1). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.6 has resulted in Good (6.6) profitability.
Other Rating Factors:
Good current capitalization (5.6 on a scale of 0 to 10) based on a net capital to total assets of 7.9 and a net worth ratio of 10.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10).
Asset Mix:
Consumer loans (47%), home mtgs (8%), comm loans (7%), securities (0%), other (38%)
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
41 West Michigan Street
Orlando, FL 32806
Orlando, FL 32806
Phone Number
(407) 855-5452
NCUA Charter Number
Website
Largest Competitors
Orlando, FL
Orlando, FL
Orlando, FL
Orlando, FL