Major Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) based on a net capital to total assets of 11.2 and a net worth ratio of 0.0. A current level of 2.6 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Excellent asset quality (8.3).
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 (8.2) profitability. Good liquidity 5.4, driven by a liquidity ratio of 20.5 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (39%), home mtgs (7%), other (54%)
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
185 North Fraser Avenue
Kankakee, IL 60901
Kankakee, IL 60901
Phone Number
(815) 933-1101
NCUA Charter Number
Website
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