Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.7 on a scale of 0 to 10).
Other Rating Factors:
Fair current capitalization (3.2 on a scale of 0 to 10) based on a net capital to total assets of 5.4 and a net worth ratio of 5.4. Fair liquidity 3.8, driven by a liquidity ratio of 23.5 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (58%), home mtgs (14%), other (28%)
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
1200 South Division Street
Harvard, IL 60033
Harvard, IL 60033
Phone Number
(815) 943-6500
NCUA Charter Number
Website
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