Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.3 has resulted in Very Weak (0.9) profitability.
Other Rating Factors:
Weak current capitalization (2.4 on a scale of 0 to 10) based on a net capital to total assets of 5.0 and a net worth ratio of 8.3. Good liquidity 5.6, driven by a liquidity ratio of 28.5 percent and a “hot money” ratio of 4.1 percent.
Asset Mix:
Consumer loans (32%), home mtgs (0%), other (68%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
4435 North Alby Street
Alton, IL 62002
Alton, IL 62002
Phone Number
(618) 466-3884
NCUA Charter Number
Website
Largest Competitors
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