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Overview / Commentary
801 N 47th St
East Saint Loui, IL 62205

Motor Coach Emp. Credit Union is headquartered in East Saint Loui and is the 265th largest credit union in the state of Illinois. It is also the 5,944th largest credit union in the nation. It was established in 1941 and as of December of 2013, it had grown to 2 employees and 1,398 members. Motor Coach Emp. Credit Union has a C+ health rating.

Field of Membership Restrictions

Must be an employee of ATS, Metro (formally Bi-State Development Agency), Laidlaw or Casino Queen. - See Details

Reviews (1)

Not Very Nice

This bank does a great job of collecting fees even if they dont know what it is for. This is not a credit union that will help in situations where too many overdrafts have been taken. It's also hard to ask a question about your account without being treated with aggression.



Health

Data for Q4 2013

Institution Health

C+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Motor Coach Emp. Credit Union has a very low asset base.

Texas Ratio

GRADE:
A+

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 Motor Coach Emp. Credit Union had $26,000 in non-current loans and owned real-estate with $451,000 in equity and loan loss allowances on hand to cover it. This gives Motor Coach Emp. Credit Union a Texas Ratio of 5.76% 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 Motor Coach Emp. Credit Union experienced no significant changes from 2.69% as of December 31, 2012 to 5.76% as of December 31, 2013, resulting in a negative change of 114.26%. This indicates that the balance sheet and financial strength for Motor Coach Emp. Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
C

In the past year, Motor Coach Emp. Credit Union has decreased its total deposits by $-34,000, resulting in -2.09% 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 Motor Coach Emp. Credit Union has shown is average.

Capitalization

GRADE:
A+

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. Motor Coach Emp. Credit Union has $2.01 million in assets with $451,000 in equity, resulting in a capitalization level of 22.44%, which is excellent.

Institution Statistics

Overall
NCUA #60185
Year Chartered1941
Employees2
Primary Regulator
Assets and Liabilities
Assets$2.01 million
Loans$892,000
Deposits$1.60 million
Equity Capital$415,000
Loan Loss Allowance$36,000
Unbacked Noncurrent Loans$26,000
Real Estate Owned$0
Historic Data - December 2012
Assets$2.04 million
Equity Capital$414,000
Loan Loss Allowance$32,000
Unbacked Noncurrent Loans$26,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin12.87%
Return on Assets0%
Return on Equity0%
Interest Income$126,000
Rates
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Motor Coach Emp. Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.00%--Regular Share Accounts
0.00%--Club Accounts
Locations


Motor Coach Emp. Credit Union Locations
Branch Office801 N 47th StEast Saint Louis, IL 62205-2175