Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Excellent (7.1) profitability.
Other Rating Factors:
Fair liquidity 4.4, driven by a liquidity ratio of 32.3 percent and a “hot money” ratio of 0.0 percent. A current level of 0.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.6).
Asset Mix:
Consumer loans (61%), other (39%)
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
226 Meadow Wood Drive
Joliet, IL 60431
Joliet, IL 60431
Phone Number
(815) 744-1001
NCUA Charter Number
Largest Competitors
Chicago, IL
Peoria, IL
Joliet, IL
Joliet, IL