First Missouri Credit Union
Major Rating Factors:
Excellent current capitalization (7.6 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 12.5 percent of nonperforming loans to core capital combined with 12.5 percent from a year earlier contributes to the Good asset quality (5.6). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.4 has resulted in Weak (2.8) profitability.
Asset Mix:
Consumer loans (43%), home mtgs (4%), 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
1690 Lemay Ferry Road
Saint Louis, MO 63125
Saint Louis, MO 63125
Phone Number
(314) 544-5050
NCUA Charter Number
Website
Largest Competitors
Saint Louis, MO
Saint Louis, MO
Saint Louis, MO
Saint Louis, MO
Saint Louis, MO