Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.0 and a net worth ratio of 14.0. A current level of 3.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.3).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10). Good liquidity 5.5, driven by a liquidity ratio of 28.7 percent and a “hot money” ratio of 4.1 percent.
Asset Mix:
Consumer loans (27%), home mtgs (20%), other (54%)
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
100 East Erie Street
Chicago, IL 60611
Chicago, IL 60611
Phone Number
(312) 751-3111
NCUA Charter Number
Website
Largest Competitors
Chicago, IL
Chicago, IL
Chicago, IL
Chicago, IL
Chicago, IL