Major Rating Factors:
A current level of 0.5 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (10.0). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.1 has resulted in Excellent (7.8) profitability.
Other Rating Factors:
Excellent current capitalization (7.6 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Asset Mix:
Consumer loans (38%), home mtgs (26%), securities (1%), other (35%)
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
3330 North Woodford Street
Decatur, IL 62526
Decatur, IL 62526
Phone Number
(217) 423-9767
NCUA Charter Number
Website
Largest Competitors
Decatur, IL
Decatur, IL
Decatur, IL
Decatur, IL
Decatur, IL