USF Federal Credit Union
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 (4.9 on a scale of 0 to 10). Good current capitalization (5.7 on a scale of 0 to 10) based on a net capital to total assets of 8.1 and a net worth ratio of 10.6.
Other Rating Factors:
A current level of 9.3 percent of nonperforming loans to core capital contributes to the Good asset quality (6.5). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.3 has resulted in Good (6.3) profitability.
Asset Mix:
Consumer loans (44%), home mtgs (22%), comm loans (3%), other (31%)
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
13101 Telecom Drive
Temple Terrace, FL 33637
Temple Terrace, FL 33637
Phone Number
(813) 569-2117
NCUA Charter Number
Website
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