Major Rating Factors:
A current level of 5.2 percent of nonperforming loans to core capital combined with 8.5 percent from a year earlier contributes to the Excellent asset quality (7.6). Good current capitalization (6.3 on a scale of 0 to 10) based on a net capital to total assets of 8.7 and a net worth ratio of 0.0.
Other Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.4 has resulted in Good (5.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10).
Asset Mix:
Consumer loans (43%), home mtgs (8%), other (49%)
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
Largest Competitors
Tampa, FL
Pensacola, FL
Pensacola, FL
Pensacola, FL
Pensacola, FL