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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 March 31, 2015
Credit Union ID 23041




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$30,915$29,129$34,796
Loans Receivable, Net20,82819,93723,680
Investments6,6916,4247,125
Shares & Deposits27,44326,27231,340
Borrowings15021
Equity3,2292,6623,269
Net Income516-586-137
Ratio Analysis Capitalization%%%
Net Capital / Assets10.459.149.40
Capital / Assets12.2411.6011.04
Asset Quality%%%
Nonperforming Assets / Assets0.130.730.92
Nonperforming Assets / Equity & Loss Reserves1.096.338.33
Loss Reserves / Nonperforming Loans1351.52335.04179.17
Credit Card Loans / Assets4.034.423.67
Earnings%%%
Return on Assets *-0.32-1.83-0.38
Efficiency Ratio91.5391.8382.03
Overhead / Assets *6.966.856.23
Liquidity%%%
Loans / Deposits75.9075.8975.56
Cash + Equivalents / Assets25.6524.2224.94

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