Members 1st Credit Union
Major Rating Factors:
A current level of 0.2 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (10.0). Excellent current capitalization (7.1 on a scale of 0 to 10) based on a net capital to total assets of 9.5 and a net worth ratio of 0.0.
Other Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.1 has resulted in Good (6.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10).
Asset Mix:
Home mtgs (19%), consumer loans (17%), other (64%)
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
4702 Mattis Road
Saint Louis, MO 63128
Saint Louis, MO 63128
Phone Number
(314) 487-5628
NCUA Charter Number
Website
Largest Competitors
Saint Louis, MO
Saint Louis, MO
Saint Louis, MO
Saint Louis, MO
Saint Louis, MO