Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.6 has resulted in Weak (2.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.0 on a scale of 0 to 10) based on a net capital to total assets of 10.2 and a net worth ratio of 10.5. A current level of 5.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.8).
Asset Mix:
Home mtgs (29%), consumer loans (26%), other (45%)
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
230 West Monroe Street
Chicago, IL 60606
Chicago, IL 60606
Phone Number
(312) 332-6357
NCUA Charter Number
Website
Largest Competitors
Chicago, IL
Chicago, IL
Chicago, IL
Chicago, IL
Chicago, IL