Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.5 has resulted in Fair (4.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 5.5 percent of nonperforming loans to core capital contributes to the Good asset quality (6.5). Good current capitalization (5.7 on a scale of 0 to 10) based on a net capital to total assets of 8.1 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (52%), home mtgs (23%), 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
2201 S. First Street
Champaign, IL 61820
Champaign, IL 61820
Phone Number
(217) 278-7700
NCUA Charter Number
Website
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