The Credit Union For All
Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.5 has resulted in Fair (4.2) profitability. A current level of 13.2 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.0).
Other Rating Factors:
Good current capitalization (5.3 on a scale of 0 to 10) based on a net capital to total assets of 7.7 and a net worth ratio of 7.7. Fair liquidity 4.7, driven by a liquidity ratio of 33.0 percent and a “hot money” ratio of 14.8 percent.
Asset Mix:
Consumer loans (48%), home mtgs (6%), comm loans (5%), other (41%)
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
1811 Eastland Drive
Bloomington, IL 61704
Bloomington, IL 61704
Phone Number
(309) 661-1166
NCUA Charter Number
Website
Largest Competitors
Chicago, IL
Bloomington, IL
Bloomington, IL
Bloomington, IL
Bloomington, IL