Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Weak (2.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 26.5 and a net worth ratio of 26.5. A current level of 0.6 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (10.0).
Asset Mix:
Home mtgs (44%), consumer loans (15%), 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
4644 East Spencer Field Road
Milton, FL 32571
Milton, FL 32571
Phone Number
(850) 994-6982
NCUA Charter Number
Largest Competitors
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