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 0.5 has resulted in Fair (3.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.1 percent of nonperforming loans to core capital combined with 3.1 percent from a year earlier contributes to the Excellent asset quality (8.7). Good liquidity 6.0, driven by a liquidity ratio of 22.2 percent and a “hot money” ratio of 0.6 percent.
Asset Mix:
Consumer loans (33%), securities (7%), home mtgs (6%), other (54%)
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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