Major Rating Factors:
A current level of 5.1 percent of nonperforming loans to core capital combined with 6.7 percent from a year earlier contributes to the Excellent asset quality (7.8). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.5 has resulted in Good (5.7) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10). Fair current capitalization (4.6 on a scale of 0 to 10) based on a net capital to total assets of 6.9 and a net worth ratio of 9.7.
Asset Mix:
Consumer loans (39%), home mtgs (16%), other (45%)
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
220 East Nine Mile Road
Pensacola, FL 32534
Pensacola, FL 32534
Phone Number
(850) 479-9601
NCUA Charter Number
Website
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