Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.0 has resulted in Weak (2.2) profitability.
Other Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) based on a net capital to total assets of 9.8 and a net worth ratio of 9.8. A current level of 3.1 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Excellent asset quality (7.3).
Asset Mix:
Consumer loans (43%), home mtgs (13%), other (44%)
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