First Missouri Credit Union
Major Rating Factors:
A current level of 10.3 percent of nonperforming loans to core capital combined with 5.3 percent from a year earlier contributes to the Good asset quality (6.8). Good current capitalization (6.7 on a scale of 0 to 10) based on a net capital to total assets of 9.2 and a net worth ratio of 10.4.
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 (6.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.5 has resulted in Good (5.7) profitability.
Asset Mix:
Consumer loans (45%), home mtgs (4%), other (52%)
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