Missouri Valley Credit Union

Missouri Valley Credit Union is headquartered in SAINT PETERS and is the 49^th largest credit union in the state of Missouri. It is also the 2,986^th largest credit union in the nation. It was established in 1975 and as of December of 2011, it had grown to 8 employees and 4,460 members. Missouri Valley Credit Union has a 5-star health rating.

Missouri Valley Credit Union Checking Account Rates

Missouri Valley Credit Union Savings Account Rates

Missouri Valley Credit Union Money Market Rates

Missouri Valley Credit Union CD Rates

Missouri Valley Credit Union IRA Rates

Data for Q4 2011

Institution Statistics MISSOURI VALLEY NCUA # 22216 BankRate Report View Year Chartered 1975 Employees 8 Primary Regulator Assets and Liabilities Assets $29.16 million Loans $17.31 million Deposits $26.23 million Equity Capital $2.90 million Loan Loss Allowance $177,000 Unbacked Noncurrent Loans $125,000 Historic Data - December 2010 Assets $27.68 million Equity Capital $2.89 million Loan Loss Allowance $152,000 Unbacked Noncurrent Loans $98,000 Profit Margin - Quarterly Net Interest Margin 5.09% Return on Assets 0.02% Return on Equity 0.24% Interest Income $1.11 million Non-Interest Income $455,000

Institution Health Overall Score: 5 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 December 31, 2011 Missouri Valley Credit Union had $125,000 in non-current loans and owned real-estate with $3.08 million in equity and loan loss allowances on hand to cover it. This gives Missouri Valley Credit Union a Texas Ratio of 4.06% 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 Missouri Valley Credit Union held steady from 3.22% as of December 31, 2010 to 4.06% as of December 31, 2011, resulting in a negative change of 26.18%. This indicates that the balance sheet and financial strength for Missouri Valley Credit Union has held steady in recent periods. Deposit Growth In the past year, Missouri Valley Credit Union has increased its total deposits by $1.68 million, resulting in 6.84% 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 Missouri Valley 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. Missouri Valley Credit Union has $29.16 million in assets with $3.08 million in equity, resulting in a capitalization level of 10.55%, which is above average.

No reviews have been left for this bank yet. Be the first to review.