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 (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.4 has resulted in Fair (4.6) profitability.
Other Rating Factors:
A current level of 7.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.3). Good current capitalization (5.5 on a scale of 0 to 10) based on a net capital to total assets of 7.9 and a net worth ratio of 8.0.
Asset Mix:
Home mtgs (47%), consumer loans (20%), comm loans (7%), securities (0%), other (25%)
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
3950 38th Avenue
Moline, IL 61265
Moline, IL 61265
Phone Number
(309) 743-1000
NCUA Charter Number
Website
Largest Competitors
Moline, IL
Moline, IL
Moline, IL
Moline, IL
Moline, IL