Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Fair (4.1) profitability. A current level of 13.8 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.0).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.4 and a net worth ratio of 0.0. Fair liquidity 4.0, driven by a liquidity ratio of 30.0 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (71%), other (29%)
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 S.E. Third Street
Aledo, IL 61231
Aledo, IL 61231
Phone Number
(309) 582-2005
NCUA Charter Number
Website
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