Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.0 has resulted in Weak (1.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 5.0 percent of nonperforming loans to core capital combined with 4.0 percent from a year earlier contributes to the Excellent asset quality (7.5). Good current capitalization (6.7 on a scale of 0 to 10) based on a net capital to total assets of 9.1 and a net worth ratio of 9.3.
Asset Mix:
Consumer loans (40%), home mtgs (21%), other (40%)
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
3050 Corporate Way
Miramar, FL 33025
Miramar, FL 33025
Phone Number
(954) 517-7700
NCUA Charter Number
Website
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