Sherwin Williams Employees Credit Union
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 (1.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.5 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.0, driven by a liquidity ratio of 17.5 percent and a “hot money” ratio of 1.1 percent. Good current capitalization (6.8 on a scale of 0 to 10) based on a net capital to total assets of 9.3 and a net worth ratio of 13.6.
Asset Mix:
Consumer loans (27%), securities (22%), home mtgs (15%), other (37%)
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
16230 Prince Drive
South Holland, IL 60473
South Holland, IL 60473
Phone Number
(708) 333-0900
NCUA Charter Number
Website
Largest Competitors
Chicago, IL
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