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 (0.3 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.2, driven by a liquidity ratio of 16.7 percent and a “hot money” ratio of 24.9 percent. Fair current capitalization (4.1 on a scale of 0 to 10) based on a net capital to total assets of 6.4 and a net worth ratio of 8.6.
Asset Mix:
Consumer loans (39%), securities (32%), home mtgs (7%), other (22%)
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
154 Third Street
La Salle, IL 61301
La Salle, IL 61301
Phone Number
(815) 223-8410
NCUA Charter Number
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