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Overview / Commentary
825 S Park Ave
Apopka, FL 32703

Community Trust Credit Union (FL) is headquartered in APOPKA and is the 143rd largest credit union in the state of Florida. It is also the 5,017st largest credit union in the nation. It was established in 1982 and as of December of 2013, it had grown to 3 employees and 2,638 members. Community Trust Credit Union (FL) has a C health rating.

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Health

Data for Q4 2013

Institution Health

C
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Community Trust Credit Union (FL) has a very low asset base.

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Community Trust Credit Union (FL) had $104,000 in non-current loans and owned real-estate with $562,000 in equity and loan loss allowances on hand to cover it. This gives Community Trust Credit Union (FL) a Texas Ratio of 18.51% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Community Trust Credit Union (FL) experienced no significant changes from 20.32% as of December 31, 2012 to 18.51% as of December 31, 2013, resulting in a positive change of 8.92%.This indicates that the balance sheet and financial strength for Community Trust Credit Union (FL) has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Community Trust Credit Union (FL) has increased its total deposits by $356,000, resulting in 6.45% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Community Trust Credit Union (FL) has shown is excellent.

Capitalization

GRADE:
C

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Community Trust Credit Union (FL) has $6.39 million in assets with $522,000 in equity, resulting in a capitalization level of 8.17%, which is average.

Institution Statistics

Overall
NCUA #23948
Year Chartered1982
Employees3
Primary Regulator
Assets and Liabilities
Assets$6.39 million
Loans$4.45 million
Deposits$5.87 million
Equity Capital$471,000
Secondary Capital$40,000
Loan Loss Allowance$51,000
Unbacked Noncurrent Loans$104,000
Real Estate Owned$0
Historic Data - December 2012
Assets$6.02 million
Equity Capital$447,000
Loan Loss Allowance$55,000
Unbacked Noncurrent Loans$104,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.91%
Return on Assets0%
Return on Equity0%
Interest Income$276,000
Rates

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Locations


Community Trust Credit Union (FL) Locations
Branch Office825 S Park AveApopka, FL 32703