Major Rating Factors:
A current level of 11.1 percent of nonperforming loans to core capital contributes to the Good asset quality (6.6). Good current capitalization (6.4 on a scale of 0 to 10) based on a net capital to total assets of 8.8 and a net worth ratio of 9.7.
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 (5.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.3 has resulted in Fair (4.3) profitability.
Asset Mix:
Comm loans (37%), consumer loans (21%), home mtgs (15%), securities (3%), other (25%)
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
450 E. 22nd Street
Lombard, IL 60148
Lombard, IL 60148
Phone Number
(630) 812-1946
NCUA Charter Number
Website
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