N.I.C.E. Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (1.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.1 has resulted in Weak (2.6) profitability.
Other Rating Factors:
Fair liquidity 4.6, driven by a liquidity ratio of 30.4 percent and a “hot money” ratio of 0.0 percent. Fair current capitalization (4.7 on a scale of 0 to 10) based on a net capital to total assets of 7.0 and a net worth ratio of 7.0.
Asset Mix:
Consumer loans (58%), securities (7%), other (35%)
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
11 South Second Avenue
Saint Charles, IL 60174
Saint Charles, IL 60174
Phone Number
(630) 584-3670
NCUA Charter Number
Website
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