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 (2.3 on a scale of 0 to 10). Fair current capitalization (3.5 on a scale of 0 to 10) based on a net capital to total assets of 5.8 and a net worth ratio of 0.0.
Other Rating Factors:
Weak liquidity 1.5, driven by a liquidity ratio of 6.4 percent and a “hot money” ratio of 29.4 percent. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.7 has resulted in Fair (3.5) profitability.
Asset Mix:
Home mtgs (28%), consumer loans (11%), other (61%)
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