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 11.3 percent of nonperforming loans to core capital 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 20.9 and a net worth ratio of 20.9. Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Excellent (8.5) profitability.
Asset Mix:
Consumer loans (39%), other (61%)
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
5601 West 26th Street
Cicero, IL 60804
Cicero, IL 60804
Phone Number
(708) 924-5594
NCUA Charter Number
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