Major Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.6 has resulted in Good (6.9) profitability. Good current capitalization (6.6 on a scale of 0 to 10) based on a net capital to total assets of 9.1 and a net worth ratio of 11.0.
Other Rating Factors:
A current level of 9.8 percent of nonperforming loans to core capital combined with 9.0 percent from a year earlier contributes to the Good asset quality (6.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Asset Mix:
Consumer loans (39%), other (61%)
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
2190 NW 72 Avenue
Miami, FL 33122
Miami, FL 33122
Phone Number
(305) 592-7733
NCUA Charter Number
Website
Largest Competitors
Miami, FL
Miami, FL
Miami, FL