Gold Coast Federal Credit Union
Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (10.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 5.0, driven by a liquidity ratio of 21.6 percent and a “hot money” ratio of 5.5 percent. Fair current capitalization (4.4 on a scale of 0 to 10) based on a net capital to total assets of 6.7 and a net worth ratio of 9.9.
Asset Mix:
Consumer loans (26%), securities (8%), home mtgs (3%), other (63%)
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
2226 South Congress Avenue
Palm Springs, FL 33406
Palm Springs, FL 33406
Phone Number
(561) 965-1000
NCUA Charter Number
Website
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