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SAFE & SOUND® STAR RATINGS

SOUTH FLORIDA

1902 NW 14TH AVE
MIAMI, FL 33125

STAR RATING: 3 starstarstar
Predictive Indicator + (improve)
As of December 31, 2014
Credit Union ID 23041




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$29,129$34,796$35,951
Loans Receivable, Net19,93723,68023,411
Investments6,4247,1259,449
Shares & Deposits26,27231,34032,280
Borrowings0210
Equity2,6623,2693,487
Net Income-586-137408
Ratio Analysis Capitalization%%%
Net Capital / Assets9.149.409.70
Capital / Assets11.6011.0410.79
Asset Quality%%%
Nonperforming Assets / Assets0.730.920.63
Nonperforming Assets / Equity & Loss Reserves6.338.335.88
Loss Reserves / Nonperforming Loans335.04179.17172.13
Credit Card Loans / Assets4.423.673.27
Earnings%%%
Return on Assets *-1.83-0.381.14
Efficiency Ratio91.8382.0378.01
Overhead / Assets *6.856.235.71
Liquidity%%%
Loans / Deposits75.8975.5672.52
Cash + Equivalents / Assets24.2224.9426.13

* Calculations are based on the latest four quarters of income and expense.
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