Development
Electro Savings Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 41.1 percent of nonperforming loans to core capital combined with 32.7 percent from a year earlier contributes to the Weak asset quality (1.7). Weak liquidity 3.0, driven by a liquidity ratio of 13.0 percent and a “hot money” ratio of 5.8 percent.
Asset Mix:
Consumer loans (41%), home mtgs (24%), other (35%)
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
1805 Craigshire Road
Saint Louis, MO 63146
Saint Louis, MO 63146
Phone Number
(314) 434-6470
NCUA Charter Number
Website
Largest Competitors
Saint Louis, MO
Saint Louis, MO
Saint Louis, MO
Saint Louis, MO
Saint Louis, MO