Educational Community Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Weak (2.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.7 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.5, driven by a liquidity ratio of 17.5 percent and a “hot money” ratio of 1.8 percent. A current level of 13.3 percent of nonperforming loans to core capital combined with 9.9 percent from a year earlier contributes to the Fair asset quality (3.9).
Asset Mix:
Consumer loans (58%), home mtgs (9%), other (33%)
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