Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Fair (3.8) profitability. A current level of 2.8 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (7.0).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.8 and a net worth ratio of 15.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (75%), other (25%)
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
1444 Maine Street
Quincy, IL 62301
Quincy, IL 62301
Phone Number
(217) 224-2091
NCUA Charter Number
Website
Largest Competitors
Chicago, IL
Peoria, IL
Quincy, IL
Quincy, IL
Quincy, IL