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 (2.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.2 has resulted in Weak (2.2) profitability.
Other Rating Factors:
A current level of 1.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.8). Good liquidity 5.2, driven by a liquidity ratio of 28.5 percent and a “hot money” ratio of 8.3 percent.
Asset Mix:
Home mtgs (17%), comm loans (15%), consumer loans (9%), other (60%)
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
13241 Southwest 136th Street
Miami, FL 33186
Miami, FL 33186
Phone Number
(786) 425-5000
NCUA Charter Number
Website
Largest Competitors
Miami, FL
Miami, FL
Miami, FL