Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). A current level of 7.5 percent of nonperforming loans to core capital combined with 6.5 percent from a year earlier contributes to the Good asset quality (5.2).
Other Rating Factors:
Fair liquidity 3.9, driven by a liquidity ratio of 26.5 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.6 has resulted in Good (5.3) profitability.
Asset Mix:
Consumer loans (70%), other (30%)
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
1606 North Willow View Road
Urbana, IL 61802
Urbana, IL 61802
Phone Number
(217) 337-0240
NCUA Charter Number
Website
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