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 (3.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Fair (3.3) profitability.
Other Rating Factors:
Weak liquidity 2.2, driven by a liquidity ratio of 18.6 percent and a “hot money” ratio of 0.0 percent. A current level of 5.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.2).
Asset Mix:
Consumer loans (82%), securities (9%), other (8%)
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
707 West South Side Drive
Decatur, IL 62521
Decatur, IL 62521
Phone Number
(217) 542-3524
NCUA Charter Number
Largest Competitors
Decatur, IL
Decatur, IL
Decatur, IL
Decatur, IL
Decatur, IL