Major Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 0.8 has resulted in Excellent (8.1) profitability. A current level of 4.8 percent of nonperforming loans to core capital combined with 3.1 percent from a year earlier contributes to the Excellent asset quality (7.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10). Good current capitalization (5.0 on a scale of 0 to 10) based on a net capital to total assets of 7.4 and a net worth ratio of 9.7.
Asset Mix:
Consumer loans (43%), home mtgs (25%), other (33%)
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
6801 East Hillsborough Avenue
Tampa, FL 33610
Tampa, FL 33610
Phone Number
(813) 621-7511
NCUA Charter Number
Largest Competitors
Tampa, FL
Tampa, FL
Tampa, FL
Tampa, FL
Tampa, FL
