Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.4 has resulted in Fair (5.0) profitability. Fair current capitalization (4.1 on a scale of 0 to 10) based on a net capital to total assets of 6.5 and a net worth ratio of 9.0.
Other Rating Factors:
A current level of 7.9 percent of nonperforming loans to core capital combined with 4.8 percent from a year earlier contributes to the Excellent asset quality (7.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (29%), consumer loans (9%), other (62%)
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