Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.4 and a net worth ratio of 12.6. A current level of 3.7 percent of nonperforming loans to core capital combined with 2.3 percent from a year earlier contributes to the Excellent asset quality (8.9).
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 (6.4 on a scale of 0 to 10). Good liquidity 6.1, driven by a liquidity ratio of 49.2 percent and a “hot money” ratio of 3.5 percent.
Asset Mix:
Consumer loans (26%), home mtgs (16%), other (58%)
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
8765 West Higgins Road
Chicago, IL 60631
Chicago, IL 60631
Phone Number
(773) 717-5757
NCUA Charter Number
Website
Largest Competitors
Chicago, IL
Chicago, IL
Chicago, IL
Chicago, IL
Chicago, IL