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 (3.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 11.1 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.8). Good liquidity 5.2, driven by a liquidity ratio of 34.5 percent and a “hot money” ratio of 2.7 percent.
Asset Mix:
Consumer loans (50%), other (50%)
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
401 South Poplar Street
Centralia, IL 62801
Centralia, IL 62801
Phone Number
(618) 533-6681
NCUA Charter Number
Website
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