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 (2.3 on a scale of 0 to 10). A current level of 13.5 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.4).
Other Rating Factors:
Weak liquidity 2.4, driven by a liquidity ratio of 10.0 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.7 has resulted in Fair (4.5) profitability.
Asset Mix:
Consumer loans (49%), home mtgs (2%), comm loans (1%), other (49%)
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