Major Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Fair (3.2) profitability. A current level of 6.8 percent of nonperforming loans to core capital combined with 9.7 percent from a year earlier contributes to the Good asset quality (5.7).
Other Rating Factors:
Fair liquidity 4.5, driven by a liquidity ratio of 35.9 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 an Excellent overall stability index (7.2 on a scale of 0 to 10).
Asset Mix:
Consumer loans (72%), other (28%)
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
525 North Broadway
Aurora, IL 60507
Aurora, IL 60507
Phone Number
(630) 897-8363
NCUA Charter Number
Largest Competitors
Chicago, IL
Peoria, IL
Aurora, IL
Aurora, IL
Aurora, IL