Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.8 on a scale of 0 to 10) based on a net capital to total assets of 11.4 and a net worth ratio of 11.5. A current level of 3.6 percent of nonperforming loans to core capital combined with 3.9 percent from a year earlier contributes to the Excellent asset quality (7.6).
Asset Mix:
Consumer loans (48%), home mtgs (22%), other (30%)
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
508 West State Street
Sycamore, IL 60178
Sycamore, IL 60178
Phone Number
(815) 895-4541
NCUA Charter Number
Website
Largest Competitors
Chicago, IL
Peoria, IL
Vernon Hills, IL
Bloomington, IL
Gurnee, IL