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 (4.8 on a scale of 0 to 10). Fair current capitalization (3.8 on a scale of 0 to 10) based on a net capital to total assets of 6.1 and a net worth ratio of 9.6.
Other Rating Factors:
A current level of 4.7 percent of nonperforming loans to core capital combined with 2.3 percent from a year earlier contributes to the Excellent asset quality (7.2). Fair liquidity 3.3, driven by a liquidity ratio of 12.7 percent and a “hot money” ratio of 13.0 percent.
Asset Mix:
Consumer loans (47%), home mtgs (8%), securities (1%), 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
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