Healthcare Associates Credit Union
Major Rating Factors:
A current level of 2.4 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Excellent asset quality (9.6). Excellent current capitalization (8.0 on a scale of 0 to 10) based on a net capital to total assets of 10.1 and a net worth ratio of 13.9.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10). Weak liquidity 2.8, driven by a liquidity ratio of 10.8 percent and a “hot money” ratio of 6.5 percent.
Asset Mix:
Consumer loans (36%), home mtgs (15%), other (48%)
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
1151 East Warrenville Road
Naperville, IL 60563
Naperville, IL 60563
Phone Number
(630) 276-5555
NCUA Charter Number
Website
Largest Competitors
Chicago, IL
Peoria, IL
Vernon Hills, IL
Naperville, IL
Naperville, IL