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866-439-3220
1221 E Grand St
Springfield, MO 65804

Educational Community CU (MO) is headquartered in Springfield and is the 35th largest credit union in the state of Missouri. It is also the 2,167th largest credit union in the nation. It was established in 1938 and as of March of 2014, it had grown to 21 employees and 7,414 members. Educational Community CU (MO) has a B health rating.

Field of Membership Restrictions

Must be an employee of any educational institution or public library located within the selected counties. - See Details

Reviews (1)

Customer Service

My experience with customer service has been consistently excellent.



Health

Data for Q1 2014

Institution Health

B
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Educational Community CU (MO) has a relatively low asset base.

Texas Ratio

GRADE:
A

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Educational Community CU (MO) had $325,000 in non-current loans and owned real-estate with $4 million in equity and loan loss allowances on hand to cover it. This gives Educational Community CU (MO) a Texas Ratio of 8.09% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Educational Community CU (MO) experienced no significant changes from 5.19% as of March 31, 2013 to 8.09% as of March 31, 2014, resulting in a negative change of 55.80%. This indicates that the balance sheet and financial strength for Educational Community CU (MO) has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Educational Community CU (MO) has increased its total deposits by $3.53 million, resulting in 7.25% 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 Educational Community CU (MO) has shown is excellent.

Capitalization

GRADE:
C-

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. Educational Community CU (MO) has $56.5 million in assets with $4 million in equity, resulting in a capitalization level of 7.09%, which is below average.

Institution Statistics

Overall
NCUA #62589
Year Chartered1938
Employees21
Primary Regulator
Assets and Liabilities
Assets$56.50 million
Loans$22.60 million
Deposits$52.27 million
Equity Capital$3.88 million
Loan Loss Allowance$121,000
Unbacked Noncurrent Loans$316,000
Real Estate Owned$9,000
Historic Data - March 2013
Assets$53.65 million
Equity Capital$4.59 million
Loan Loss Allowance$107,000
Unbacked Noncurrent Loans$316,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.12%
Return on Assets-0.1%
Return on Equity-1.44%
Interest Income$418,000
Rates
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Educational Community CU (MO) Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.20%--Christmas Club Account
0.20%$100-IRA Share Account
0.20%$100-Roth IRA Share Account
0.20%$100-Education Savings Account
0.10%$100-Share Savings Account

Educational Community CU (MO) Money Market Rates

DetailsAPYMINMAXPRODUCT
0.20%$2,500-Money Market Account

Educational Community CU (MO) CD Rates

DetailsAPYMINMAXPRODUCT
0.85%$500-36 Month CD
0.70%$500-24 Month CD
0.45%$1k-12 Month CD
0.25%$1k-6 Month CD

Educational Community CU (MO) IRA Rates

DetailsAPYMINMAXPRODUCT
0.85%$500-36 Month IRA
0.70%$500-24 Month IRA
0.45%$1k-12 Month IRA
0.25%$1k-6 Month IRA
Locations


Educational Community CU (MO) Locations
Branch Office1440 State Highway 248 Suite ABranson, MO 65616
Branch Office1550 W Diane StOzark, MO 65721-8425
Branch Office1221 E Grand StSpringfield, MO 65804