Major Rating Factors:
A current level of 1.9 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Excellent asset quality (10.0). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Excellent (7.1) 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 (5.5 on a scale of 0 to 10). Fair current capitalization (4.4 on a scale of 0 to 10) based on a net capital to total assets of 6.7 and a net worth ratio of 10.2.
Asset Mix:
Home mtgs (30%), consumer loans (15%), other (55%)
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
135 West Central Boulevard
Orlando, FL 32801
Orlando, FL 32801
Phone Number
(407) 277-6030
NCUA Charter Number
Website
Largest Competitors
Orlando, FL
Orlando, FL
Orlando, FL
Orlando, FL
