Major Rating Factors:
Excellent current capitalization (8.0 on a scale of 0 to 10) based on a net capital to total assets of 10.2 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 17.6 percent of nonperforming loans to core capital combined with 17.6 percent from a year earlier contributes to the Good asset quality (5.7). Fair liquidity 3.8, driven by a liquidity ratio of 20.5 percent and a “hot money” ratio of 20.3 percent.
Asset Mix:
Consumer loans (38%), other (62%)
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