First Community Credit Union
Major Rating Factors:
A current level of 4.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.9). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.8 has resulted in Good (6.2) profitability.
Other Rating Factors:
Good current capitalization (5.1 on a scale of 0 to 10) based on a net capital to total assets of 7.5 and a net worth ratio of 8.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (41%), home mtgs (20%), comm loans (1%), other (38%)
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
17151 Chesterfield Airport Road
Chesterfield, MO 63005
Chesterfield, MO 63005
Phone Number
(636) 728-3333
NCUA Charter Number
Website
Largest Competitors
Saint Louis, MO
Jefferson City, MO
Saint Charles, MO
Saint Louis, MO
Chesterfield, MO