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). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Fair (4.3) profitability.
Other Rating Factors:
Good liquidity 5.7, driven by a liquidity ratio of 40.2 percent and a “hot money” ratio of 0.0 percent. Excellent current capitalization (8.8 on a scale of 0 to 10) based on a net capital to total assets of 10.7 and a net worth ratio of 11.5.
Asset Mix:
Consumer loans (31%), other (69%)
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
2721 North Main Street
Decatur, IL 62526
Decatur, IL 62526
Phone Number
(217) 872-3789
NCUA Charter Number
Website
Largest Competitors
Decatur, IL
Decatur, IL
Decatur, IL
Decatur, IL
Decatur, IL