Major Rating Factors:
Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.1 has resulted in Very Weak (0.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 8.4 percent of nonperforming loans to core capital contributes to the Good asset quality (6.4). Good liquidity 6.7, driven by a liquidity ratio of 61.8 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (36%), other (64%)
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
2005 Ridge Road
Homewood, IL 60430
Homewood, IL 60430
Phone Number
(708) 957-0444
NCUA Charter Number
Largest Competitors
Chicago, IL
Peoria, IL
Vernon Hills, IL
Bloomington, IL
Lake Forest, IL