Development
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 (4.5 on a scale of 0 to 10). Fair current capitalization (3.9 on a scale of 0 to 10) based on a net capital to total assets of 6.2 and a net worth ratio of 8.9.
Other Rating Factors:
A current level of 18.2 percent of nonperforming loans to core capital combined with 3.3 percent from a year earlier contributes to the Good asset quality (5.0). Weak liquidity 2.1, driven by a liquidity ratio of 10.7 percent and a “hot money” ratio of 22.6 percent.
Asset Mix:
Home mtgs (32%), consumer loans (18%), other (50%)
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
6600 44th Avenue
Moline, IL 61265
Moline, IL 61265
Phone Number
(800) 323-5109
NCUA Charter Number
Website
Largest Competitors
Moline, IL
Moline, IL
Moline, IL
Moline, IL
Moline, IL