Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.2 has resulted in Weak (2.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.9 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 1.3, driven by a liquidity ratio of 4.0 percent and a “hot money” ratio of 26.2 percent. A current level of 20.5 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.7).
Asset Mix:
Home mtgs (21%), consumer loans (19%), comm loans (10%), 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
6600 44th Avenue
Moline, IL 61265
Moline, IL 61265
Phone Number
(800) 323-5109
NCUA Charter Number
Largest Competitors
Moline, IL
Moline, IL
Moline, IL
Moline, IL
Moline, IL