Hello Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.8 and a net worth ratio of 0.0. A current level of 6.1 percent of nonperforming loans to core capital combined with 6.1 percent from a year earlier contributes to the Excellent asset quality (7.7).
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 (6.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.4 has resulted in Good (6.3) profitability.
Asset Mix:
Consumer loans (39%), home mtgs (3%), securities (0%), other (59%)
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
601 Highway 231
Panama City, FL 32405
Panama City, FL 32405
Phone Number
(850) 785-6103
NCUA Charter Number
Website
Largest Competitors
Tampa, FL
Jacksonville, FL
Panama City, FL
Panama City, FL
Panama City, FL