Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 21.5 and a net worth ratio of 21.5. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.8 has resulted in Excellent (9.0) profitability.
Other Rating Factors:
A current level of 4.7 percent of nonperforming loans to core capital contributes to the Good asset quality (7.0). Good liquidity 5.9, driven by a liquidity ratio of 60.7 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (52%), other (49%)
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
505 Northeast Monroe Street
Peoria, IL 61603
Peoria, IL 61603
Phone Number
(309) 494-8790
NCUA Charter Number
Largest Competitors
Peoria, IL
Peoria, IL
Peoria, IL
Peoria, IL
Peoria, IL