First Commerce Credit Union
Major Rating Factors:
Fair current capitalization (4.8 on a scale of 0 to 10) based on a net capital to total assets of 7.2 and a net worth ratio of 10.2. Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.4 has resulted in Fair (4.7) profitability.
Other Rating Factors:
A current level of 9.1 percent of nonperforming loans to core capital combined with 3.9 percent from a year earlier contributes to the Good asset quality (6.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10).
Asset Mix:
Consumer loans (32%), home mtgs (16%), other (51%)
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
2073 Summit Lake Drive
Tallahassee, FL 32317
Tallahassee, FL 32317
Phone Number
(850) 488-0035
NCUA Charter Number
Website
Largest Competitors
Tallahassee, FL
Tallahassee, FL
Tallahassee, FL
Tallahassee, FL
Tallahassee, FL