Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 18.6 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.2 has resulted in Excellent (8.0) profitability.
Other Rating Factors:
Excellent liquidity 7.7, driven by a liquidity ratio of 52.0 percent and a “hot money” ratio of 0.0 percent. A current level of 6.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.7).
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
2500 West 30th Street
Zion, IL 60099
Zion, IL 60099
Phone Number
(847) 872-2148
NCUA Charter Number
Largest Competitors
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