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). A current level of 5.8 percent of nonperforming loans to core capital contributes to the Good asset quality (5.6).
Other Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.7 has resulted in Good (6.3) profitability. Good current capitalization (5.9 on a scale of 0 to 10) based on a net capital to total assets of 8.3 and a net worth ratio of 8.3.
Asset Mix:
Consumer loans (46%), comm loans (0%), other (54%)
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
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