Patriot 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 (3.0 on a scale of 0 to 10). A current level of 7.9 percent of nonperforming loans to core capital combined with 7.9 percent from a year earlier contributes to the Good asset quality (5.3).
Other Rating Factors:
Weak liquidity 2.2, driven by a liquidity ratio of 8.2 percent and a “hot money” ratio of 0.0 percent. Good current capitalization (5.6 on a scale of 0 to 10) based on a net capital to total assets of 8.0 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (47%), home mtgs (2%), other (51%)
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
4343 Telegraph Road
Saint Louis, MO 63129
Saint Louis, MO 63129
Phone Number
(314) 892-6325
NCUA Charter Number
Website
Largest Competitors
Saint Louis, MO
Saint Louis, MO
Saint Louis, MO
Saint Louis, MO
Saint Louis, MO