Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Weak (2.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 22.4 and a net worth ratio of 22.4. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (10.0).
Asset Mix:
Consumer loans (12%), home mtgs (3%), other (85%)
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
820 Virginia Drive
Orlando, FL 32803
Orlando, FL 32803
Phone Number
(407) 896-4733
NCUA Charter Number
Website
Largest Competitors
Orlando, FL
Orlando, FL
Orlando, FL
Orlando, FL
Orlando, FL