Radiant Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.6 has resulted in Fair (3.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 5.6 percent of nonperforming loans to core capital combined with 7.4 percent from a year earlier contributes to the Excellent asset quality (7.9). Good current capitalization (6.0 on a scale of 0 to 10) based on a net capital to total assets of 8.4 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (28%), home mtgs (8%), other (64%)
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
4440 NW 25th Place
Gainesville, FL 32606
Gainesville, FL 32606
Phone Number
(352) 381-5200
NCUA Charter Number
Website
Largest Competitors
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