Major Rating Factors:
A current level of 4.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.5). Good current capitalization (6.8 on a scale of 0 to 10) based on a net capital to total assets of 9.2 and a net worth ratio of 9.4.
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 (6.2 on a scale of 0 to 10). Fair liquidity 4.0, driven by a liquidity ratio of 19.8 percent and a “hot money” ratio of 3.5 percent.
Asset Mix:
Consumer loans (34%), home mtgs (26%), other (40%)
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
2550 South Alpine Road
Rockford, IL 61108
Rockford, IL 61108
Phone Number
(815) 226-2260
NCUA Charter Number
Website
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