Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.3 and a net worth ratio of 12.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 5.9 percent of nonperforming loans to core capital combined with 3.4 percent from a year earlier contributes to the Good asset quality (6.3). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 0.4 has resulted in Fair (3.5) profitability.
Asset Mix:
Consumer loans (71%), securities (1%), home mtgs (0%), 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
13200 SW 128th Street
Miami, FL 33186
Miami, FL 33186
Phone Number
(786) 257-2300
NCUA Charter Number
Website
Largest Competitors
Miami, FL
Miami, FL
Miami, FL
Miami, FL