First Pace Credit Union
Major 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 (6.4 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.7, driven by a liquidity ratio of 34.5 percent and a “hot money” ratio of 10.1 percent. A current level of 2.9 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (9.4).
Asset Mix:
Consumer loans (33%), securities (19%), other (47%)
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
161 Marie Avenue, East
West Saint Paul, MN 55118
West Saint Paul, MN 55118
Phone Number
(651) 451-8495
NCUA Charter Number
Website
Largest Competitors
Apple Valley, MN
Plymouth, MN
Saint Paul, MN
Falcon Heights, MN
Melrose, MN