Major Rating Factors:
Very Weak current capitalization (0.7 on a scale of 0 to 10) based on a net capital to total assets of 4.0 and a net worth ratio of 9.1. Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Weak (1.4) profitability.
Other 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). Good liquidity 5.3, driven by a liquidity ratio of 27.3 percent and a “hot money” ratio of 7.5 percent.
Asset Mix:
Home mtgs (15%), consumer loans (11%), other (74%)
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 SW 136th Street
Miami, FL 33186
Miami, FL 33186
Phone Number
(786) 425-5059
NCUA Charter Number
Website
Largest Competitors
Miami, FL
Miami, FL
Miami, FL