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SAFE & SOUND® STAR RATINGS

SOUTH DIVISION

9122 S Kedzie Ave
Evergreen Park, IL 60805-1605

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2014
Credit Union ID 65550




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$49,156$50,561$52,906
Loans Receivable, Net17,91421,73926,920
Investments21,04721,28016,413
Shares & Deposits43,75245,25847,196
Borrowings000
Equity4,6924,5744,930
Net Income375-486-458
Ratio Analysis Capitalization%%%
Net Capital / Assets9.549.059.32
Capital / Assets11.8611.3211.48
Asset Quality%%%
Nonperforming Assets / Assets0.430.691.93
Nonperforming Assets / Equity & Loss Reserves3.616.0616.83
Loss Reserves / Nonperforming Loans541.03535.09175.37
Credit Card Loans / Assets9.4210.2810.87
Earnings%%%
Return on Assets *0.75-0.92-0.84
Efficiency Ratio8298.6791.19
Overhead / Assets *5.696.756.65
Liquidity%%%
Loans / Deposits40.9548.0357.04
Cash + Equivalents / Assets10.366.927.92

* Calculations are based on the latest four quarters of income and expense.
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