Gold Coast Federal Credit Union
Major Rating Factors:
A current level of 1.0 percent of nonperforming loans to core capital combined with 1.0 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 (5.4 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (5.0 on a scale of 0 to 10) based on a net capital to total assets of 7.4 and a net worth ratio of 0.0. Fair liquidity 4.7, driven by a liquidity ratio of 19.3 percent and a “hot money” ratio of 3.3 percent.
Asset Mix:
Consumer loans (26%), securities (10%), home mtgs (3%), other (61%)
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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