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 (1.7 on a scale of 0 to 10). Fair current capitalization (4.8 on a scale of 0 to 10) based on a net capital to total assets of 7.1 and a net worth ratio of 0.0.
Other Rating Factors:
Fair liquidity 4.8, driven by a liquidity ratio of 39.1 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Fair (4.9) profitability.
Asset Mix:
Consumer loans (64%), other (36%)
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
549 Madison St
Oak Park, IL 60302
Oak Park, IL 60302
Phone Number
(708) 728-0225
NCUA Charter Number
Largest Competitors
Chicago, IL
Peoria, IL
Vernon Hills, IL
Bloomington, IL
Oak Park, IL