Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.3 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.4 has resulted in Excellent (7.0) profitability.
Other Rating Factors:
Good liquidity 6.7, driven by a liquidity ratio of 60.5 percent and a “hot money” ratio of 7.1 percent. A current level of 15.0 percent of nonperforming loans to core capital combined with 16.2 percent from a year earlier contributes to the Good asset quality (6.0).
Asset Mix:
Consumer loans (40%), other (60%)
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
2106 West John Street
Champaign, IL 61821
Champaign, IL 61821
Phone Number
(217) 356-9721
NCUA Charter Number
Website
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