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Overview / Commentary
6401 Stratford Ave
Saint Louis, MO 63120

APEX Financial Credit Union is headquartered in Florissant and is the 46th largest credit union in the state of Missouri. It is also the 2,646th largest credit union in the nation. It was established in 1956 and as of December of 2013, it had grown to 22 employees and 5,935 members. APEX Financial Credit Union's money market rates are 14% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

We now serve any person living or working in Missouri Counties of Saint Louis, Saint Charles, Jefferson, Franklin and Saint Louis County or the City of Saint Louis. - See Details

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. APEX Financial Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 APEX Financial Credit Union had $130,000 in non-current loans and owned real-estate with $4.96 million in equity and loan loss allowances on hand to cover it. This gives APEX Financial Credit Union a Texas Ratio of 2.62% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for APEX Financial Credit Union decreased slightly from 2.99% as of December 31, 2012 to 2.62% as of December 31, 2013, resulting in a positive change of 12.36%.This indicates that the balance sheet and financial strength for APEX Financial Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, APEX Financial Credit Union has increased its total deposits by $314,000, resulting in 0.97% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth APEX Financial Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. APEX Financial Credit Union has $37.61 million in assets with $4.96 million in equity, resulting in a capitalization level of 13.20%, which is excellent.

Institution Statistics

NCUA #62711
Year Chartered1956
Primary Regulator
Assets and Liabilities
Assets$37.61 million
Loans$14.58 million
Deposits$32.79 million
Equity Capital$4.70 million
Loan Loss Allowance$264,000
Unbacked Noncurrent Loans$130,000
Real Estate Owned$0
Historic Data - December 2012
Assets$38.11 million
Equity Capital$5.57 million
Loan Loss Allowance$283,000
Unbacked Noncurrent Loans$130,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin7.22%
Return on Assets-1.15%
Return on Equity-9.21%
Interest Income$1.36 million
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APEX Financial Credit Union Savings Account Rates

0.05%--Regular Share
0.05%--IRA Share
0.05%--Club Share
0.05%--Other Shares
0.05%--Roth IRA Share
0.05%--CESA Share

APEX Financial Credit Union Money Market Rates

0.50%$25k-Money Market Savings

APEX Financial Credit Union CD Rates

1.55%$500-60 Month Share Certificate
1.35%$500-48 Month Share Certificate
1.05%$500-36 Month Share Certificate
0.70%$500-24 Month Share Certificate
0.50%$500-18 Month Share Certificate
0.40%$500-12 Month Share Certificate
0.20%$500-6 Month Share Certificate
0.10%$500-3 Month Share Certificate

APEX Financial Credit Union IRA Rates

1.55%$500-60 Month IRA Certificate (Traditional,Roth,CESA)
1.35%$500-48 Month IRA Certificate (Traditional,Roth,CESA)
1.05%$500-36 Month IRA Certificate (Traditional,Roth,CESA)
0.70%$500-24 Month IRA Certificate (Traditional,Roth,CESA)
0.50%$500-18 Month IRA Certificate (Traditional,Roth,CESA)
0.40%$500-12 Month IRA Certificate (Traditional,Roth,CESA)
0.20%$500-6 Month IRA Certificate (Traditional,Roth,CESA)
0.10%$500-3 Month IRA Certificate (Traditional,Roth,CESA)

APEX Financial Credit Union Locations
Branch Office1222 Spruce St Rm 1206Saint Louis, MO 63103-2818
Branch Office6401 Stratford AveSaint Louis, MO 63120-1312