Major Rating Factors:
A current level of 2.7 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (9.1). Good current capitalization (6.6 on a scale of 0 to 10) based on a net capital to total assets of 9.0 and a net worth ratio of 9.1.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10). Good liquidity 5.5, driven by a liquidity ratio of 34.6 percent and a “hot money” ratio of 12.9 percent.
Asset Mix:
Securities (35%), home mtgs (12%), consumer loans (10%), other (42%)
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
5619 Harney Road
Tampa, FL 33610
Tampa, FL 33610
Phone Number
(813) 621-6454
NCUA Charter Number
Website
Largest Competitors
Tampa, FL
Tampa, FL
Tampa, FL
Tampa, FL
Tampa, FL