Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.1 has resulted in Weak (2.2) profitability.
Other Rating Factors:
A current level of 0.7 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (8.9). Good current capitalization (6.9 on a scale of 0 to 10) based on a net capital to total assets of 9.4 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (41%), securities (20%), home mtgs (11%), other (28%)
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
1099 West Ventura Avenue
Clewiston, FL 33440
Clewiston, FL 33440
Phone Number
(863) 983-5141
NCUA Charter Number
Website
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