Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Weak (2.1) profitability. A current level of 9.2 percent of nonperforming loans to core capital combined with 13.5 percent from a year earlier contributes to the Good asset quality (6.9).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 19.2 and a net worth ratio of 19.2. Excellent liquidity 8.5, driven by a liquidity ratio of 102.6 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (16%), other (84%)
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
8441 South Saint Lawrence Avenue
Chicago, IL 60619
Chicago, IL 60619
Phone Number
(773) 846-4433
NCUA Charter Number
Website
Largest Competitors
Chicago, IL
Chicago, IL
Chicago, IL
Chicago, IL
Chicago, IL