Major Rating Factors:
A current level of 7.0 percent of nonperforming loans to core capital combined with 6.3 percent from a year earlier contributes to the Good asset quality (6.2).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 17.9 and a net worth ratio of 17.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10).
Asset Mix:
Consumer loans (50%), securities (31%), other (19%)
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
4500 College Avenue
Alton, IL 62002
Alton, IL 62002
Phone Number
(618) 462-5229
NCUA Charter Number
Largest Competitors
Chicago, IL
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Alton, IL