Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10). Good current capitalization (5.2 on a scale of 0 to 10) based on a net capital to total assets of 7.6 and a net worth ratio of 8.9.
Other Rating Factors:
A current level of 10.0 percent of nonperforming loans to core capital contributes to the Good asset quality (6.6). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.6 has resulted in Good (6.3) profitability.
Asset Mix:
Home mtgs (34%), comm loans (12%), consumer loans (10%), other (44%)
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
11545 West Touhy Avenue
Chicago, IL 60666
Chicago, IL 60666
Phone Number
(773) 462-2000
NCUA Charter Number
Largest Competitors
Chicago, IL
Chicago, IL
Chicago, IL
Chicago, IL
Chicago, IL