Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.2 has resulted in Weak (1.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.0 and a net worth ratio of 0.0. Good liquidity 6.3, driven by a liquidity ratio of 33.1 percent and a “hot money” ratio of 0.3 percent.
Asset Mix:
Consumer loans (23%), home mtgs (15%), securities (3%), other (59%)
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
575 North Broadway
Aurora, IL 60505
Aurora, IL 60505
Phone Number
(630) 859-2276
NCUA Charter Number
Website
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