Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 19.8 and a net worth ratio of 19.8. A current level of 6.5 percent of nonperforming loans to core capital contributes to the Good asset quality (6.7).
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 (6.3 on a scale of 0 to 10). Good liquidity 5.4, driven by a liquidity ratio of 28.0 percent and a “hot money” ratio of 6.2 percent.
Asset Mix:
Consumer loans (46%), securities (6%), other (48%)
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
95 State Street
Peoria, IL 61601
Peoria, IL 61601
Phone Number
(309) 673-8832
NCUA Charter Number
Website
Largest Competitors
Peoria, IL
Peoria, IL
Peoria, IL
Peoria, IL
Peoria, IL