Funeral Service Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Fair (4.0) profitability.
Other Rating Factors:
Weak liquidity 1.7, driven by a liquidity ratio of 15.7 percent and a “hot money” ratio of 21.7 percent. A current level of 3.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.1).
Asset Mix:
Comm loans (38%), consumer loans (14%), comm re (0%), other (48%)
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
915 South Durkin Drive
Springfield, IL 62704
Springfield, IL 62704
Phone Number
(217) 546-5480
NCUA Charter Number
Website
Largest Competitors
Springfield, IL
Springfield, IL
Springfield, IL
Springfield, IL
Springfield, IL