Major Rating Factors:
Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.2 has resulted in Very Weak (0.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 13.9 percent of nonperforming loans to core capital contributes to the Good asset quality (5.4). Good liquidity 6.6, driven by a liquidity ratio of 64.2 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (44%), other (56%)
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
6034 West 77th Street
Burbank, IL 60459
Burbank, IL 60459
Phone Number
(708) 599-7200
NCUA Charter Number
Largest Competitors
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