CommonWealth Credit Union
Major Rating Factors:
Excellent current capitalization (9.8 on a scale of 0 to 10) based on a net capital to total assets of 11.4 and a net worth ratio of 11.4. A current level of 0.6 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Excellent asset quality (8.7).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.3 has resulted in Good (7.0) profitability.
Asset Mix:
Consumer loans (46%), home mtgs (20%), other (34%)
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
563 William Latham Drive
Bourbonnais, IL 60914
Bourbonnais, IL 60914
Phone Number
(815) 937-7447
NCUA Charter Number
Website
Largest Competitors
Chicago, IL
Peoria, IL
Vernon Hills, IL
Bourbonnais, IL
Bourbonnais, IL