Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.9 has resulted in Fair (3.3) profitability. A current level of 4.0 percent of nonperforming loans to core capital combined with 4.0 percent from a year earlier contributes to the Good asset quality (6.9).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.5 and a net worth ratio of 13.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
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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