Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Fair (3.7) profitability.
Other Rating Factors:
Fair liquidity 4.7, driven by a liquidity ratio of 35.1 percent and a “hot money” ratio of 0.0 percent. A current level of 1.5 percent of nonperforming loans to core capital contributes to the Good asset quality (6.7).
Asset Mix:
Consumer loans (59%), other (41%)
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