Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.5 has resulted in Fair (4.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 5.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.8). Good current capitalization (5.4 on a scale of 0 to 10) based on a net capital to total assets of 7.8 and a net worth ratio of 7.9.
Asset Mix:
Home mtgs (46%), consumer loans (19%), comm loans (7%), securities (0%), other (28%)
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