Major Rating Factors:
A current level of 1.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.7). Excellent current capitalization (9.3 on a scale of 0 to 10) based on a net capital to total assets of 11.1 and a net worth ratio of 11.1.
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.2 has resulted in Excellent (7.8) profitability. Excellent liquidity 7.1, driven by a liquidity ratio of 26.5 percent and a “hot money” ratio of 1.0 percent.
Asset Mix:
Consumer loans (17%), home mtgs (5%), securities (4%), other (74%)
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
302 North Park Street
Streator, IL 61364
Streator, IL 61364
Phone Number
(815) 672-8488
NCUA Charter Number
Website
Largest Competitors
Chicago, IL
Peoria, IL
Vernon Hills, IL
Bloomington, IL
Streator, IL