Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.2 has resulted in Weak (2.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.9 and a net worth ratio of 0.0. A current level of 8.1 percent of nonperforming loans to core capital combined with 4.7 percent from a year earlier contributes to the Excellent asset quality (7.7).
Asset Mix:
Consumer loans (38%), other (62%)
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
10057 South Western Avenue
Chicago, IL 60643
Chicago, IL 60643
Phone Number
(773) 476-4822
NCUA Charter Number
Website
Largest Competitors
Chicago, IL
Chicago, IL
Chicago, IL
Chicago, IL
Chicago, IL