Illinois State Police Federal Credit Union
Major Rating Factors:
A current level of 0.8 percent of nonperforming loans to core capital combined with 7.4 percent from a year earlier contributes to the Excellent asset quality (10.0). Excellent current capitalization (7.2 on a scale of 0 to 10) based on a net capital to total assets of 9.6 and a net worth ratio of 9.6.
Other Rating Factors:
Excellent liquidity 7.2, driven by a liquidity ratio of 34.3 percent and a “hot money” ratio of 1.1 percent. Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Good (6.2) profitability.
Asset Mix:
Consumer loans (13%), home mtgs (9%), other (78%)
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
730 Engineering Avenue
Springfield, IL 62703
Springfield, IL 62703
Phone Number
(217) 523-8000
NCUA Charter Number
Website
Largest Competitors
Springfield, IL
Springfield, IL
Springfield, IL
Springfield, IL
Springfield, IL