Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Good (6.7) profitability.
Other Rating Factors:
Weak liquidity 2.8, driven by a liquidity ratio of 24.3 percent and a “hot money” ratio of 0.0 percent. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.5).
Asset Mix:
Consumer loans (68%), other (32%)
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
505 NE Monroe Street
Peoria, IL 61603
Peoria, IL 61603
Phone Number
(309) 494-8795
NCUA Charter Number
Largest Competitors
Peoria, IL
Peoria, IL
Peoria, IL
Peoria, IL
Peoria, IL