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 (2.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.6 has resulted in Fair (3.8) profitability.
Other Rating Factors:
Fair liquidity 3.9, driven by a liquidity ratio of 31.6 percent and a “hot money” ratio of 29.4 percent. A current level of 4.3 percent of nonperforming loans to core capital combined with 4.4 percent from a year earlier contributes to the Good asset quality (5.7).
Asset Mix:
Consumer loans (57%), other (43%)
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
3855 North Econlockhatchee Trail
Orlando, FL 32817
Orlando, FL 32817
Phone Number
(407) 657-7212
NCUA Charter Number
Website
Largest Competitors
Orlando, FL
Orlando, FL
Orlando, FL
Orlando, FL