Major Rating Factors:
A current level of 2.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.5). Excellent current capitalization (7.6 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 9.9.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10). Good liquidity 5.2, driven by a liquidity ratio of 18.2 percent and a “hot money” ratio of 3.5 percent.
Asset Mix:
Consumer loans (36%), securities (23%), home mtgs (3%), other (38%)
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
506 West Fairchild Street
Danville, IL 61832
Danville, IL 61832
Phone Number
(217) 442-9005
NCUA Charter Number
Largest Competitors
Chicago, IL
Peoria, IL
Vernon Hills, IL
Danville, IL
Danville, IL