E
For Members Only Federal Credit Union
ChicagoIL
Rating Date
March 2024
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
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Total
Assets
Capital
Total
Deposits
Net
Income
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Major Rating Factors: Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.0 has resulted in Very Weak (0.0) profitability. An analysis of stability tests since inception including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.0).
Other Rating Factors: Excellent liquidity 9.2, driven by a liquidity ratio of 117.2 percent and a “hot money” ratio of 0.0 percent. Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.6 and a net worth ratio of 14.6.
Asset Mix: Cash (100%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
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Loan Loss Reserves to Loans
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Charge-Offs to Average Loans
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5-Year Charge-Offs to Average Loans
5-Year Asset Growth
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1-Year Asset Growth
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Profitability
Operating Profit to Average Assets
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Return on Equity
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Net Interest Spread
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5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Liquidity
Liquidity Ratio
Hot Money
Corporate Info
Address
5656 South Stony Island Avenue
Chicago, IL 60637
Phone Number
(773) 684-1282
NCUA Charter Number
Weiss Ratings