Development
Postal & Community 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 (4.6 on a scale of 0 to 10). A current level of 5.6 percent of nonperforming loans to core capital combined with 3.8 percent from a year earlier contributes to the Good asset quality (5.6).
Other Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Good (6.7) profitability. Good current capitalization (6.6 on a scale of 0 to 10) based on a net capital to total assets of 9.0 and a net worth ratio of 9.1.
Asset Mix:
Consumer loans (52%), home mtgs (5%), other (42%)
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
3921 Oakland Avenue
Saint Joseph, MO 64506
Saint Joseph, MO 64506
Phone Number
(816) 279-5656
NCUA Charter Number
Website
Largest Competitors
Saint Joseph, MO
Saint Joseph, MO
Saint Joseph, MO
Saint Joseph, MO
Saint Joseph, MO