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SAFE & SOUND® STAR RATINGS

Financial statement

SOUTH FLORIDA
1902 NW 14TH AVE
MIAMI, FL 33125

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Credit Union ID 23041




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$35,951$33,263$28,164
Loans Receivable, Net23,41121,25819,546
Investments9,4496,8196,920
Shares & Deposits32,28030,11324,527
Borrowings00869
Equity3,4872,9942,692
Net Income408301235
Ratio Analysis Capitalization%%%
Net Capital / Assets9.709.009.56
Capital / Assets10.7910.2510.59
Asset Quality%%%
Nonperforming Assets / Assets0.630.921.49
Nonperforming Assets / Equity & Loss Reserves5.888.9214.05
Loss Reserves / Nonperforming Loans172.13
Credit Card Loans / Assets3.273.032.38
Earnings%%%
Return on Assets *1.140.960.81
Efficiency Ratio78.0176.6677.12
Overhead / Assets *5.716.125.78
Liquidity%%%
Loans / Deposits72.5270.5979.69
Cash + Equivalents / Assets26.1311.181.45

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.43%
1 yr CD
0.62% 0.63%
5 yr CD
1.22% 1.24%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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