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:
A current level of 23.7 percent of nonperforming loans to core capital combined with 16.8 percent from a year earlier contributes to the Fair asset quality (3.7). Fair liquidity 4.4, driven by a liquidity ratio of 50.4 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (37%), securities (36%), home mtgs (6%), 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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