Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.1 and a net worth ratio of 15.1. A current level of 5.1 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (8.8).
Other Rating Factors:
Excellent liquidity 7.0, driven by a liquidity ratio of 54.0 percent and a “hot money” ratio of 2.1 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10).
Asset Mix:
Consumer loans (25%), home mtgs (4%), other (71%)
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
8250 Bryan Dairy Road
Largo, FL 33777
Largo, FL 33777
Phone Number
(727) 471-1330x1646
NCUA Charter Number
Website
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