Major Rating Factors:
A current level of 20.5 percent of nonperforming loans to core capital combined with 15.1 percent from a year earlier contributes to the Weak asset quality (2.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.6 has resulted in Good (7.0) profitability. Good current capitalization (6.3 on a scale of 0 to 10) based on a net capital to total assets of 8.8 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (50%), home mtgs (20%), other (30%)
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
2500 River Drive
Moline, IL 61265
Moline, IL 61265
Phone Number
(309) 793-6200
NCUA Charter Number
Website
Largest Competitors
Moline, IL
Moline, IL
Moline, IL
Moline, IL
Moline, IL