Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). A current level of 9.3 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Good asset quality (5.9).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 35.0 and a net worth ratio of 35.0. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Excellent (9.0) profitability.
Asset Mix:
Consumer loans (79%), other (21%)
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
3212 College Avenue
Alton, IL 62002
Alton, IL 62002
Phone Number
(618) 462-8771
NCUA Charter Number
Largest Competitors
Chicago, IL
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Alton, IL
Alton, IL