Imperial Credit Union
Major Rating Factors:
A current level of 37.5 percent of nonperforming loans to core capital contributes to the Weak asset quality (1.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 2.6%, coupled with a return on assets of 2.6 has resulted in Good (5.7) profitability. Good current capitalization (6.8 on a scale of 0 to 10) based on a net capital to total assets of 9.2 and a net worth ratio of 9.2.
Asset Mix:
Consumer loans (11%), other (89%)
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
1130 South 16th Street
Springfield, IL 62703
Springfield, IL 62703
Phone Number
(217) 481-6381
NCUA Charter Number
Largest Competitors
Springfield, IL
Springfield, IL
Springfield, IL
Springfield, IL
Springfield, IL