Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Very Weak (0.9) profitability. A current level of 11.8 percent of nonperforming loans to core capital contributes to the Fair asset quality (5.0).
Other Rating Factors:
Fair liquidity 4.7, driven by a liquidity ratio of 45.4 percent and a “hot money” ratio of 0.0 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10).
Asset Mix:
Consumer loans (68%), other (32%)
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