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 1.1%, coupled with a return on assets of 0.7 has resulted in Good (5.1) profitability.
Other Rating Factors:
A current level of 5.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.6). Good current capitalization (5.8 on a scale of 0 to 10) based on a net capital to total assets of 8.2 and a net worth ratio of 8.3.
Asset Mix:
Home mtgs (48%), consumer loans (19%), comm loans (7%), securities (0%), other (26%)
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