Major Rating Factors:
A current level of 1.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.9). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Excellent (8.6) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.4 on a scale of 0 to 10). Good current capitalization (6.4 on a scale of 0 to 10) based on a net capital to total assets of 8.4 and a net worth ratio of 8.5.
Asset Mix:
Consumer loans (37%), home mtgs (28%), securities (0%), other (35%)
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
6801 East Hillsborough Avenue
Tampa, FL 33610
Tampa, FL 33610
Phone Number
(813) 621-7511
NCUA Charter Number
Largest Competitors
Tampa, FL
Tampa, FL
Tampa, FL
Tampa, FL
Tampa, FL
