Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.1 has resulted in Very Weak (0.6) profitability. Weak current capitalization (2.5 on a scale of 0 to 10) based on a net capital to total assets of 5.1 and a net worth ratio of 10.3.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). Fair liquidity 4.3, driven by a liquidity ratio of 17.9 percent and a “hot money” ratio of 6.0 percent.
Asset Mix:
Consumer loans (45%), securities (1%), home mtgs (1%), other (53%)
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
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