Major Rating Factors:
Fair current capitalization (3.8 on a scale of 0 to 10) based on a net capital to total assets of 6.1 and a net worth ratio of 7.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.6 percent of nonperforming loans to core capital combined with 3.7 percent from a year earlier contributes to the Excellent asset quality (9.1). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.6 has resulted in Fair (3.0) profitability.
Asset Mix:
Consumer loans (27%), home mtgs (22%), 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
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