Foundation Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.1 and a net worth ratio of 15.1. A current level of 3.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.1).
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 0.6%, coupled with a return on assets of 0.5 has resulted in Fair (3.7) profitability.
Asset Mix:
Home mtgs (47%), consumer loans (29%), securities (3%), comm loans (0%), other (20%)
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
1726 West Elfindale Street
Springfield, MO 65807
Springfield, MO 65807
Phone Number
(417) 895-2770
NCUA Charter Number
Largest Competitors
Springfield, MO
Springfield, MO
Springfield, MO
Springfield, MO
Springfield, MO