Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, 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 (6.4 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.7 on a scale of 0 to 10) based on a net capital to total assets of 9.1 and a net worth ratio of 9.8. A current level of 8.1 percent of nonperforming loans to core capital contributes to the Good asset quality (6.5).
Asset Mix:
Consumer loans (27%), comm loans (24%), home mtgs (14%), other (35%)
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
4850 East Prosperity Place
Decatur, IL 62521
Decatur, IL 62521
Phone Number
(217) 864-3030
NCUA Charter Number
Website
Largest Competitors
Decatur, IL
Decatur, IL
Decatur, IL
Decatur, IL
Decatur, IL