Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.9 and a net worth ratio of 13.9. A current level of 5.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.8 on a scale of 0 to 10). Good liquidity 5.6, driven by a liquidity ratio of 56.4 percent and a “hot money” ratio of 9.2 percent.
Asset Mix:
Consumer loans (28%), home mtgs (27%), other (45%)
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
3401 16th Street
Moline, IL 61265
Moline, IL 61265
Phone Number
(309) 797-2185
NCUA Charter Number
Website
Largest Competitors
Moline, IL
Moline, IL
Moline, IL
Moline, IL
Moline, IL