Major Rating Factors:
A current level of 1.1 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (10.0). 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:
Good current capitalization (6.3 on a scale of 0 to 10) based on a net capital to total assets of 8.7 and a net worth ratio of 0.0. Fair liquidity 4.0, driven by a liquidity ratio of 15.2 percent and a “hot money” ratio of 11.2 percent.
Asset Mix:
Consumer loans (37%), securities (9%), home mtgs (3%), other (51%)
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
1225 Millennium Parkway
Brandon, FL 33511
Brandon, FL 33511
Phone Number
(813) 643-5572
NCUA Charter Number
Website
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