Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.8 has resulted in Excellent (8.0) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 18.3 and a net worth ratio of 18.4. A current level of 0.2 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (8.0).
Asset Mix:
Consumer loans (59%), other (41%)
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