Major Rating Factors:
A current level of 10.9 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.5 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.7 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 9.9. Fair liquidity 4.0, driven by a liquidity ratio of 29.2 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (56%), home mtgs (10%), other (33%)
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
1311 Shooting Park Road
Peru, IL 61354
Peru, IL 61354
Phone Number
(815) 224-2667
NCUA Charter Number
Website
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