United Consumers Credit Union
Major Rating Factors:
Excellent current capitalization (9.3 on a scale of 0 to 10) based on a net capital to total assets of 11.1 and a net worth ratio of 0.0. A current level of 4.1 percent of nonperforming loans to core capital combined with 4.1 percent from a year earlier contributes to the Excellent asset quality (7.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.5 has resulted in Fair (3.7) profitability.
Asset Mix:
Consumer loans (49%), home mtgs (15%), securities (6%), other (30%)
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
1111 East 23rd Street, South
Independence, MO 64055
Independence, MO 64055
Phone Number
(816) 325-6900
NCUA Charter Number
Website
Largest Competitors
Chesterfield, MO
Saint Louis, MO
Independence, MO
Independence, MO
Independence, MO