Major Rating Factors:
A current level of 6.1 percent of nonperforming loans to core capital combined with 6.1 percent from a year earlier contributes to the Excellent asset quality (7.6). Good current capitalization (5.6 on a scale of 0 to 10) based on a net capital to total assets of 8.0 and a net worth ratio of 0.0.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.4 has resulted in Fair (4.1) profitability.
Asset Mix:
Consumer loans (39%), home mtgs (8%), other (53%)
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
1495 East Nine Mile Road
Pensacola, FL 32514
Pensacola, FL 32514
Phone Number
(850) 505-3200
NCUA Charter Number
Website
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