Walton County Teachers Federal Credit Union
Major Rating Factors:
A current level of 3.1 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (8.8). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Excellent (8.6) profitability.
Other Rating Factors:
Excellent current capitalization (7.5 on a scale of 0 to 10) based on a net capital to total assets of 9.8 and a net worth ratio of 0.0. Good liquidity 5.7, driven by a liquidity ratio of 37.4 percent and a “hot money” ratio of 3.7 percent.
Asset Mix:
Consumer loans (39%), securities (5%), home mtgs (4%), other (52%)
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
1586 U.S. Highway 90 West
Defuniak Springs, FL 32433
Defuniak Springs, FL 32433
Phone Number
(850) 892-2024
NCUA Charter Number
Largest Competitors
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