Major Rating Factors:
A current level of 16.0 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.1 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.5 on a scale of 0 to 10) based on a net capital to total assets of 9.0 and a net worth ratio of 0.0. Fair liquidity 3.4, driven by a liquidity ratio of 16.5 percent and a “hot money” ratio of 6.7 percent.
Asset Mix:
Consumer loans (42%), home mtgs (16%), other (42%)
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
301 East Michigan Street
Orlando, FL 32806
Orlando, FL 32806
Phone Number
(407) 425-2561
NCUA Charter Number
Website
Largest Competitors
Orlando, FL
Orlando, FL
Orlando, FL
Orlando, FL