Educational Community Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.5 has resulted in Fair (4.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.8 on a scale of 0 to 10) based on a net capital to total assets of 9.3 and a net worth ratio of 9.5. A current level of 7.1 percent of nonperforming loans to core capital contributes to the Good asset quality (6.3).
Asset Mix:
Consumer loans (37%), home mtgs (9%), comm loans (0%), other (53%)
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
1221 East Grand Street
Springfield, MO 65804
Springfield, MO 65804
Phone Number
(417) 831-0534
NCUA Charter Number
Website
Largest Competitors
Springfield, MO
Springfield, MO
Springfield, MO
Springfield, MO
Springfield, MO