Major Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) based on a net capital to total assets of 10.4 and a net worth ratio of 10.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 8.9 percent of nonperforming loans to core capital combined with 5.0 percent from a year earlier contributes to the Good asset quality (6.9). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.3 has resulted in Good (5.1) profitability.
Asset Mix:
Consumer loans (41%), home mtgs (18%), other (41%)
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
3815 North Nebraska Avenue
Tampa, FL 33603
Tampa, FL 33603
Phone Number
(813) 247-4414
NCUA Charter Number
Website
Largest Competitors
Tampa, FL
Tampa, FL
Tampa, FL
Tampa, FL
Tampa, FL