Major Rating Factors:
A current level of 2.4 percent of nonperforming loans to core capital combined with 2.8 percent from a year earlier contributes to the Excellent asset quality (9.5). Excellent current capitalization (8.9 on a scale of 0 to 10) based on a net capital to total assets of 10.8 and a net worth ratio of 0.0.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10). Fair liquidity 4.3, driven by a liquidity ratio of 22.9 percent and a “hot money” ratio of 4.6 percent.
Asset Mix:
Consumer loans (39%), home mtgs (9%), other (52%)
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
260 West Marion Avenue
Forsyth, IL 62535
Forsyth, IL 62535
Phone Number
(217) 875-2301
NCUA Charter Number
Website
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