Saint Joseph Teachers' Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Good (6.0) profitability.
Other Rating Factors:
A current level of 1.0 percent of nonperforming loans to core capital combined with 6.1 percent from a year earlier contributes to the Excellent asset quality (9.8). Excellent current capitalization (7.4 on a scale of 0 to 10) based on a net capital to total assets of 9.7 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (31%), other (69%)
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
2316 Village Drive
Saint Joseph, MO 64506
Saint Joseph, MO 64506
Phone Number
(816) 233-5544
NCUA Charter Number
Website
Largest Competitors
Saint Joseph, MO
Saint Joseph, MO
Saint Joseph, MO
Saint Joseph, MO
Saint Joseph, MO