Major Rating Factors:
A current level of 0.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Excellent current capitalization (9.4 on a scale of 0 to 10) based on a net capital to total assets of 11.1 and a net worth ratio of 11.1.
Other Rating Factors:
Good liquidity 7.0, driven by a liquidity ratio of 19.3 percent and a “hot money” ratio of 0.6 percent. Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.4 has resulted in Good (6.7) profitability.
Asset Mix:
Consumer loans (11%), home mtgs (3%), securities (1%), other (86%)
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
Largest Competitors
Chicago, IL
Peoria, IL
Vernon Hills, IL
Bloomington, IL
Lake Forest, IL