First Community Credit Union

First Community Credit Union is headquartered in Chesterfield and is the 2^nd largest credit union in the state of Missouri. It is also the 73^rd largest credit union in the nation. It was established in 1934 and as of September of 2011, it had grown to 355 employees and 199,238 members. First Community Credit Union has a 4-star health rating.

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Data for Q3 2011

Institution Statistics FIRST COMMUNITY NCUA # 67619 BankRate Report View Year Established 1934 Employees 355 Primary Regulator Assets and Liabilities Assets $1.75 billion Loans $986.79 million Deposits $1.58 billion Equity Capital $154.19 million Loan Loss Allowance $6.93 million Unbacked Noncurrent Loans $6.75 million Real Estate Owned $10.29 million Historic Data - September 2010 Assets $1.66 billion Equity Capital $142.25 million Loan Loss Allowance $7.26 million Unbacked Noncurrent Loans $7.16 million Real Estate Owned $4.64 million Profit Margin - Quarterly Net Interest Margin 2.58% Return on Assets 0.57% Return on Equity 6.52% Interest Income $46.09 million Non-Interest Income $18.25 million

Institution Health Overall Score: 4 out of 5 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 September 30, 2011 First Community Credit Union had $17.04 million in non-current loans and owned real-estate with $161.12 million in equity and loan loss allowances on hand to cover it. This gives First Community Credit Union a Texas Ratio of 10.58% 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 held steady from 7.89% as of September 30, 2010 to 10.58% as of September 30, 2011, resulting in a negative change of 33.96%. This indicates that the balance sheet and financial strength for First Community Credit Union has held steady in recent periods. Deposit Growth In the past year, First Community Credit Union has increased its total deposits by $76.21 million, resulting in 5.08% 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 excellent. Capitalization 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 $1.75 billion in assets with $161.12 million in equity, resulting in a capitalization level of 9.20%, which is average.

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