Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 25.0 and a net worth ratio of 25.0. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.9 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 2.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.4). Good liquidity 6.1, driven by a liquidity ratio of 66.6 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (50%), other (50%)
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
1401 West Main Street
Robinson, IL 62454
Robinson, IL 62454
Phone Number
(618) 544-3111
NCUA Charter Number
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