Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (3.6) profitability.
Other Rating Factors:
Weak liquidity 1.6, driven by a liquidity ratio of 6.2 percent and a “hot money” ratio of 28.4 percent. A current level of 21.8 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.7).
Asset Mix:
Home mtgs (24%), consumer loans (15%), comm loans (11%), other (51%)
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