Imperial Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 5.4%, coupled with a return on assets of 0.0 has resulted in Weak (2.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent liquidity 8.5, driven by a liquidity ratio of 92.7 percent and a “hot money” ratio of 0.0 percent. A current level of 0.0 percent of nonperforming loans to core capital combined with 44.4 percent from a year earlier contributes to the Excellent asset quality (7.0).
Asset Mix:
Consumer loans (12%), other (88%)
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