Major Rating Factors:
A current level of 0.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Excellent current capitalization (8.6 on a scale of 0 to 10) based on a net capital to total assets of 10.5 and a net worth ratio of 10.5.
Other Rating Factors:
Excellent liquidity 7.4, driven by a liquidity ratio of 38.6 percent and a “hot money” ratio of 0.6 percent. Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.9 has resulted in Good (5.5) profitability.
Asset Mix:
Consumer loans (13%), home mtgs (3%), securities (1%), other (83%)
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
838 South State Street
Lockport, IL 60441
Lockport, IL 60441
Phone Number
(815) 838-7159
NCUA Charter Number
Website
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