Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Fair (4.5) profitability.
Other Rating Factors:
Good liquidity 5.1, driven by a liquidity ratio of 41.4 percent and a “hot money” ratio of 0.0 percent. A current level of 2.5 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Excellent asset quality (7.1).
Asset Mix:
Consumer loans (62%), other (38%)
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
100 East Phoenix Avenue
Normal, IL 61761
Normal, IL 61761
Phone Number
(309) 433-3408
NCUA Charter Number
Website
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