Development
First 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 (4.3 on a scale of 0 to 10). Fair current capitalization (3.9 on a scale of 0 to 10) based on a net capital to total assets of 6.2 and a net worth ratio of 8.2.
Other Rating Factors:
A current level of 6.2 percent of nonperforming loans to core capital combined with 5.3 percent from a year earlier contributes to the Good asset quality (6.4). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.5 has resulted in Weak (2.9) profitability.
Asset Mix:
Consumer loans (46%), home mtgs (18%), other (36%)
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
Saint Charles, MO
Columbia, MO
Jefferson City, MO
Chesterfield, MO