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 4.1 and a net worth ratio of 8.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.3 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.9, driven by a liquidity ratio of 8.8 percent and a “hot money” ratio of 13.2 percent. Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.3 has resulted in Fair (4.0) profitability.
Asset Mix:
Consumer loans (33%), home mtgs (16%), comm loans (4%), other (48%)
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
3333 Henderson Boulevard
Tampa, FL 33629
Tampa, FL 33629
Phone Number
(813) 879-3333
NCUA Charter Number
Website
Largest Competitors
Tampa, FL
Tampa, FL
Tampa, FL
Tampa, FL
Tampa, FL