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 (1.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Fair (4.0) profitability.
Other Rating Factors:
Fair liquidity 3.8, driven by a liquidity ratio of 30.9 percent and a “hot money” ratio of 28.3 percent. A current level of 7.5 percent of nonperforming loans to core capital combined with 3.3 percent from a year earlier contributes to the Good asset quality (5.2).
Asset Mix:
Consumer loans (57%), other (43%)
Corporate Info
3855 North Econlockhatchee Trail
Orlando, FL 32817
Orlando, FL 32817
(407) 657-7212
Largest Competitors
Orlando, FL
Orlando, FL
Orlando, FL
Orlando, FL