Major Rating Factors:
Fair current capitalization (4.6 on a scale of 0 to 10) based on a net capital to total assets of 6.9 and a net worth ratio of 8.9. Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.1 has resulted in Weak (3.0) profitability.
Other Rating Factors:
A current level of 9.6 percent of nonperforming loans to core capital contributes to the Good asset quality (6.9). Fair liquidity 3.1, driven by a liquidity ratio of 15.5 percent and a “hot money” ratio of 10.5 percent.
Asset Mix:
Consumer loans (24%), home mtgs (19%), comm loans (1%), other (56%)
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
945 South Orange Avenue
Orlando, FL 32806
Orlando, FL 32806
Phone Number
(407) 835-3500
NCUA Charter Number
Largest Competitors
Orlando, FL
Orlando, FL
Orlando, FL
Orlando, FL