Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). A current level of 10.3 percent of nonperforming loans to core capital combined with 12.9 percent from a year earlier contributes to the Good asset quality (6.5).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 21.6 and a net worth ratio of 21.6. Excellent liquidity 8.1, driven by a liquidity ratio of 64.0 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (15%), other (85%)
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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