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Overview / Commentary
17151 Chesterfield Airport Road
Chesterfield, MO 63005

First Community Credit Union is headquartered in Chesterfield and is the largest credit union in the state of Missouri. It is also the 82nd largest credit union in the nation. It was established in 1934 and as of December of 2013, it had grown to 418 employees and 229,015 members. First Community Credit Union has a B health rating.

Field of Membership Restrictions

To qualify for membership, you must be an employee or retiree of a company or association in First Community Credit Union's field of membership; or live or work in one of the following Missouri communities: St. Louis County, St. Louis City, Franklin County, Jefferson County, St. Charles County, Warren County, or in one of the following Illinois counties: Madison, Monroe, St. Clair. Or, if you have an eligible relative, you qualify. - See Details

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Data for Q4 2013

Institution Health


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 First Community Credit Union had $20.1 million in non-current loans and owned real-estate with $170.17 million in equity and loan loss allowances on hand to cover it. This gives First Community Credit Union a Texas Ratio of 11.81% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First Community Credit Union experienced no significant changes from 7.44% as of December 31, 2012 to 11.81% as of December 31, 2013, resulting in a negative change of 58.80%. This indicates that the balance sheet and financial strength for First Community Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, First Community Credit Union has increased its total deposits by $51.24 million, resulting in 3% 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 First Community 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. First Community Credit Union has $1.94 billion in assets with $170.17 million in equity, resulting in a capitalization level of 8.77%, which is average.

Institution Statistics

NCUA #67619
Year Chartered1934
Primary Regulator
Assets and Liabilities
Assets$1.94 billion
Loans$1.04 billion
Deposits$1.76 billion
Equity Capital$163.03 million
Loan Loss Allowance$7.14 million
Unbacked Noncurrent Loans$11.84 million
Real Estate Owned$8.27 million
Historic Data - December 2012
Assets$1.90 billion
Equity Capital$166.58 million
Loan Loss Allowance$7.55 million
Unbacked Noncurrent Loans$11.84 million
Real Estate Owned$7.15 million
Profit Margin - Quarterly
Net Interest Margin2.8%
Return on Assets0.26%
Return on Equity3.13%
Interest Income$47.20 million

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First Community Credit Union Savings Account Rates

0.30%$25-HSA Savings
0.15%$100-Regular Share Savings
0.15%$100-Business Savings
0.15%$100-Secondary Share Savings
0.15%$100-Christmas Club
0.15%$100-Vacation Club
0.15%$25-Youth Saver's
0.15%$100-IRA Savings
0.15%$100-Roth IRA Savings
0.15%$100-Educational IRA Savings

First Community Credit Union Money Market Rates

0.30%$50k-Money Management Savings

First Community Credit Union Checking Account Rates

1.51%-$25kFirst Rate Checking
0.15%--First Rate Checking
0.10%$750-Checking II
0.10%$250-Business Plus Checking

First Community Credit Union CD Rates

1.55%$500-72 Month CD
1.55%$500-72 Month Business CD
1.45%$500-60 Month CD
1.45%$500-60 Month Business CD
1.15%$500-48 Month CD
1.15%$500-48 Month Business CD
0.95%$500-36 Month CD
0.95%$500-36 Month Business CD
0.70%$500-24 Month CD
0.70%$500-24 Month Business CD
0.50%$500-18 Month CD
0.50%$500-18 Month Business CD
0.45%$500-15 Month CD
0.45%$500-15 Month Business CD
0.40%$500-12 Month CD
0.40%$500-12 Month Business CD
0.25%$500-6 Month CD
0.25%$500-6 Month Business CD

First Community Credit Union IRA Rates

1.55%$500-72 Month IRA (Traditional,Roth,CESA)
1.45%$500-60 Month IRA (Traditional,Roth,CESA)
1.15%$500-48 Month IRA (Traditional,Roth,CESA)
0.95%$500-36 Month IRA (Traditional,Roth,CESA)
0.70%$500-24 Month IRA (Traditional,Roth,CESA)
0.50%$500-18 Month IRA (Traditional,Roth,CESA)
0.45%$500-15 Month IRA (Traditional,Roth,CESA)
0.40%$500-12 Month IRA (Traditional,Roth,CESA)
0.25%$500-6 Month IRA (Traditional,Roth,CESA)

First Community Credit Union has 29 locations. Click to view all First Community Credit Union locations.