Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Weak (1.4) profitability.
Other Rating Factors:
A current level of 2.2 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Excellent asset quality (8.3). Excellent current capitalization (7.7 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 12.0.
Asset Mix:
Consumer loans (28%), home mtgs (20%), other (51%)
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
1102 North Walnut Street
Danville, IL 61832
Danville, IL 61832
Phone Number
(217) 446-0777
NCUA Charter Number
Largest Competitors
Chicago, IL
Peoria, IL
Vernon Hills, IL
Danville, IL
Danville, IL