Encurage Financial Network Credit Union

Weiss Ratings	Encurage Financial Network Credit Union Chicago, IL	Click to Compare	Click to Compare	Click to Compare
Rating	D
Asset Quality Index	6.40
Capitalization Index	1.10
Liquidity Index	0.60
Profitability Index	0.90
Stability Index	0.30

Company Info	Encurage Financial Network Credit Union Chicago, IL	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	3005
Phone Number	(847) 676-8000
Website	www.firstfcu.org

Asset Quality	Encurage Financial Network Credit Union Chicago, IL	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	22.16%
5-Year Asset Growth	18.23%
5-Year Charge-Offs to Average Loans	0.97%
Charge-Offs to Average Loans	0.76%
Non-Performing Assets to Assets	0.61%
Non-Performing Loans to Capital	11.60%
Non-Performing Loans to Loans	0.70%

Balance Sheet	Encurage Financial Network Credit Union Chicago, IL	Click to Compare	Click to Compare	Click to Compare
Total Assets	220.85M
Total Deposits	161.65M

Capital and Reserves	Encurage Financial Network Credit Union Chicago, IL	Click to Compare	Click to Compare	Click to Compare
Capital	9.99M
Leverage Ratio	7.29
Loan Loss Reserves to Loans	0.84%

Liquidity	Encurage Financial Network Credit Union Chicago, IL	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	42.38%
Liquidity Ratio	2.69%

Profitability	Encurage Financial Network Credit Union Chicago, IL	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.57%
Net Income	-400.00K
Net Interest Spread	3.07%
Operating Profit to Average Assets	0.52%
Overhead Efficiency Ratio	85.38%
Return on Assets	-0.20%
Return on Equity	-3.92%