First Community Credit Union
Major Rating Factors:
A current level of 5.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.8). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Good (6.8) profitability.
Other 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 (5.6 on a scale of 0 to 10). Good current capitalization (5.4 on a scale of 0 to 10) based on a net capital to total assets of 7.8 and a net worth ratio of 8.6.
Asset Mix:
Consumer loans (38%), home mtgs (21%), comm loans (1%), other (41%)
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
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O'Fallon, MO
Chesterfield, MO