Major Rating Factors:
Excellent current capitalization (9.7 on a scale of 0 to 10) based on a net capital to total assets of 11.3 and a net worth ratio of 14.0. A current level of 4.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.3).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.4 has resulted in Fair (4.8) profitability.
Asset Mix:
Consumer loans (53%), home mtgs (17%), comm loans (1%), securities (1%), other (29%)
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
55 Calle Resolucion
Caparra, PR 00920
Caparra, PR 00920
Phone Number
(787) 749-0500
NCUA Charter Number
Website
Largest Competitors
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