City-County Employees Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.8 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 Fair (3.7) profitability.
Other Rating Factors:
Fair liquidity 5.0, driven by a liquidity ratio of 27.1 percent and a “hot money” ratio of 7.4 percent. Good current capitalization (5.4 on a scale of 0 to 10) based on a net capital to total assets of 7.7 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (45%), other (55%)
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
1810 North Belcher Road
Clearwater, FL 33765
Clearwater, FL 33765
Phone Number
(727) 442-7746
NCUA Charter Number
Website
Largest Competitors
Tampa, FL
Jacksonville, FL
Melbourne, FL
Lakeland, FL
Orlando, FL