Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.0 has resulted in Weak (2.1) profitability. A current level of 20.9 percent of nonperforming loans to core capital combined with 3.4 percent from a year earlier contributes to the Fair asset quality (3.7).
Other Rating Factors:
Weak liquidity 2.3, driven by a liquidity ratio of 10.8 percent and a “hot money” ratio of 23.4 percent. Fair current capitalization (3.7 on a scale of 0 to 10) based on a net capital to total assets of 6.0 and a net worth ratio of 8.8.
Asset Mix:
Home mtgs (33%), consumer loans (17%), 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
Website
Largest Competitors
Moline, IL
Moline, IL
Moline, IL
Moline, IL
Moline, IL