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 (3.7 on a scale of 0 to 10). A current level of 7.3 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Good asset quality (5.8).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 25.9 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (6.9) profitability.
Asset Mix:
Consumer loans (83%), other (17%)
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
101 School Street
Bethalto, IL 62010
Bethalto, IL 62010
Phone Number
(618) 377-3948
NCUA Charter Number
Largest Competitors
Chicago, IL
Peoria, IL
Vernon Hills, IL
Bloomington, IL
Bethalto, IL