Major Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) based on a net capital to total assets of 11.0 and a net worth ratio of 11.6. A current level of 3.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.1).
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 (6.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.0 has resulted in Good (5.5) profitability.
Asset Mix:
Consumer loans (27%), home mtgs (14%), comm loans (9%), other (51%)
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
1200 E Nine Mile Rd.
Pensacola, FL 32514
Pensacola, FL 32514
Phone Number
(850) 474-0970
NCUA Charter Number
Website
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