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 (0.0 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.8, driven by a liquidity ratio of 12.1 percent and a “hot money” ratio of 20.5 percent. A current level of 28.7 percent of nonperforming loans to core capital combined with 28.7 percent from a year earlier contributes to the Weak asset quality (2.9).
Asset Mix:
Consumer loans (39%), securities (36%), home mtgs (7%), other (18%)
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
Largest Competitors
Chicago, IL
Peoria, IL
Vernon Hills, IL
Bloomington, IL
Lake Forest, IL