Major Rating Factors:
Fair current capitalization (4.5 on a scale of 0 to 10) based on a net capital to total assets of 6.8 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.2 has resulted in Fair (3.5) profitability.
Other Rating Factors:
A current level of 2.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.6). Fair liquidity 4.0, driven by a liquidity ratio of 16.6 percent and a “hot money” ratio of 7.7 percent.
Asset Mix:
Consumer loans (42%), home mtgs (3%), securities (0%), other (55%)
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
3501 Johnson Street
Hollywood, FL 33021
Hollywood, FL 33021
Phone Number
(954) 265-5862
NCUA Charter Number
Website
Largest Competitors
Tampa, FL
Jacksonville, FL
Melbourne, FL
Lakeland, FL
Hollywood, FL