United Consumers Credit Union
Major Rating Factors:
A current level of 3.7 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Excellent asset quality (8.8). Excellent current capitalization (8.3 on a scale of 0 to 10) based on a net capital to total assets of 10.4 and a net worth ratio of 10.7.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10). Fair liquidity 4.0, driven by a liquidity ratio of 25.0 percent and a “hot money” ratio of 9.5 percent.
Asset Mix:
Consumer loans (44%), home mtgs (11%), securities (7%), other (37%)
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