Cape Regional Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.6 has resulted in Fair (3.7) profitability.
Other Rating Factors:
Fair liquidity 3.7, driven by a liquidity ratio of 22.7 percent and a “hot money” ratio of 0.0 percent. Good current capitalization (5.5 on a scale of 0 to 10) based on a net capital to total assets of 7.9 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (66%), other (34%)
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
2427 Cape Centre
Cape Girardeau, MO 63703
Cape Girardeau, MO 63703
Phone Number
(573) 334-7686
NCUA Charter Number
Website
Largest Competitors
Chesterfield, MO
Saint Louis, MO
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Columbia, MO