Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.3 has resulted in Weak (1.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.0 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 3.0, driven by a liquidity ratio of 13.9 percent and a “hot money” ratio of 10.5 percent. A current level of 21.6 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.3).
Asset Mix:
Consumer loans (44%), home mtgs (17%), comm loans (7%), other (32%)
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