Major Rating Factors:
Operating profits as a percentage of assets at 2.5%, coupled with a return on assets of 2.3 has resulted in Excellent (8.8) profitability. Excellent current capitalization (8.4 on a scale of 0 to 10) based on a net capital to total assets of 10.4 and a net worth ratio of 10.5.
Other Rating Factors:
A current level of 3.6 percent of nonperforming loans to core capital combined with 3.3 percent from a year earlier contributes to the Excellent asset quality (7.4). Good liquidity 5.7, driven by a liquidity ratio of 41.9 percent and a “hot money” ratio of 1.1 percent.
Asset Mix:
Consumer loans (35%), home mtgs (19%), other (46%)
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
2412 Freeport Road
Sterling, IL 61081
Sterling, IL 61081
Phone Number
(815) 626-8181
NCUA Charter Number
Website
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