Major Rating Factors:
Fair current capitalization (4.5 on a scale of 0 to 10) based on a net capital to total assets of 6.9 and a net worth ratio of 10.4. 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).
Other Rating Factors:
A current level of 3.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.3). Good liquidity 5.7, driven by a liquidity ratio of 31.8 percent and a “hot money” ratio of 9.9 percent.
Asset Mix:
Home mtgs (16%), comm loans (11%), consumer loans (10%), other (64%)
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