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Credit Risk Analysis
PMA monitors the creditworthiness of each investment made by PMA Financial Network, Inc. on behalf of its clients. The department closely follows the capital markets and regulatory environment for issues that may affect any of FLSAFE participants' investments. PMA employs a variety of credit analysis procedures for these investment products:
  • Government and agency securities
  • Municipal securities
  • Certificates of deposit
  • Other depository products
Specific to the banking industry, the department analyzes each bank where deposits are placed quarterly and on an ongoing basis. Discerning the creditworthiness of banks has become more difficult for public entities as subprime related assets, write-downs, over-concentrated balance sheets and increased regulatory scrutiny have all been contributing factors to the strength or weakness of banks across the country. As such, we believe it is more important than ever to perform quality credit analysis.
Collateral Programs
PMA produces a monthly report for its clients detailing all collateralized deposits and the market value of the pledged collateral. When a client engages PMA to invest its assets, this consolidated report contributes to administrative efficiency and peace of mind
Overview
Detailed credit analysis is a fundamental component of PMA’s investment process. This analysis is conducted by a combination of ratio analysis and assessment of qualitative factors. PMA employs a belt and suspenders approach to maintaining the safety of client deposits. In addition to credit analysis, PMA utilizes multiple collateral programs and employs a rigorous set of collateral procedures that begin before your deposit is opened.
Download more information about Credit Risk Analysis here.
Other FL SAFE Service Programs
Cash Flow Management
Bond Proceeds Management
Financial Planning Program
Fixed Income Investment Program
Credit Risk Analysis
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10151 University Blvd., #227  |  Orlando, FL 32817

This information does not represent an offer to sell or a solicitation of an offer to buy or sell shares of the Fund or any other security. Shares in the Fund are sold or bought only based on the information contained in the current Fund Information Statement. The Information Statement contains important information and should be read carefully before investing. An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency. Fund shares are marketed through PMA Securities, Inc., member FINRA. The yields presented on this website represent past performance and are not a guarantee of future results. The Fund may, from time to time, adjust certain management fees and expenses, which may affect the yield. Expenses are detailed in the Information Statement under "Fees and Expenses of the Fund"

The Stable NAV is neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the funds seek to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in these funds.

The daily yield refers to income generated over the previous one day period; the income is then annualized. The 7-day yield refers to income generated over the previous seven day period; the income is then annualized. The 7-day effective yield is calculated in the same manner but assumes reinvestment of income over the seven day period. Due to compounding, the 7-day effective yield will be slightly higher than the 7-day yield. The 30-Day Average Yield for the Variable NAV Series is the annualized average of the daily yields for the past 30 days. Fund performance changes over time and current performance may be lower or higher than what is stated. The yields represent past performance and should not be viewed as a guarantee of future results. The most recent yield information can be obtained by calling 1-855-202-9650. The pools are managed portfolios whose holdings are subject to change. For more complete information, please read the FL SAFE Information Statement before investing with the Fund, which is provided on the FL SAFE website or can be obtained by calling the number provided above. You should consider the Fund’s investment objectives, risks, charges and expenses before you invest. Information about these important subjects are detailed in the information statement, which you should read carefully before investing.

Information in the FL SAFE Research Center has been distributed for educational purposes only and should not be considered as investment advice or a recommendation of any particular security, strategy or investment product. Information contained herein has been obtained from sources believed to be reliable, but not guaranteed.