Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 19.7 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 3.4%, coupled with a return on assets of 4.5 has resulted in Excellent (7.3) profitability.
Other Rating Factors:
Excellent liquidity 8.5, driven by a liquidity ratio of 88.1 percent and a “hot money” ratio of 0.0 percent. A current level of 7.5 percent of nonperforming loans to core capital combined with 10.3 percent from a year earlier contributes to the Excellent asset quality (7.2).
Asset Mix:
Consumer loans (10%), other (90%)
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
2500 West 30th Street
Zion, IL 60099
Zion, IL 60099
Phone Number
(847) 872-2148
NCUA Charter Number
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