Major Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) based on a net capital to total assets of 9.7 and a net worth ratio of 9.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 10.1 percent of nonperforming loans to core capital contributes to the Good asset quality (6.1). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.6 has resulted in Fair (5.0) profitability.
Asset Mix:
Consumer loans (32%), home mtgs (17%), securities (8%), comm loans (7%), other (35%)
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
550 West Meadows Drive
Freeport, IL 61032
Freeport, IL 61032
Phone Number
(815) 235-5855
NCUA Charter Number
Website
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