Envision Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.4 has resulted in Fair (3.8) profitability. A current level of 15.9 percent of nonperforming loans to core capital combined with 10.5 percent from a year earlier contributes to the Good asset quality (5.1).
Other Rating Factors:
Good current capitalization (5.7 on a scale of 0 to 10) based on a net capital to total assets of 8.1 and a net worth ratio of 0.0. 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 (40%), home mtgs (13%), other (47%)
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
2082 Summit Lake Drive
Tallahassee, FL 32317
Tallahassee, FL 32317
Phone Number
(850) 942-9000
NCUA Charter Number
Website
Largest Competitors
Tallahassee, FL
Tallahassee, FL
Tallahassee, FL
Tallahassee, FL
Tallahassee, FL