Major Rating Factors:
A current level of 3.7 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Good asset quality (5.9).
Other Rating Factors:
Fair liquidity 4.6, driven by a liquidity ratio of 41.2 percent and a “hot money” ratio of 0.0 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10).
Asset Mix:
Consumer loans (59%), other (41%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
18459 Redman Road
Milan, MI 48160
Milan, MI 48160
Phone Number
(734) 439-3075
NCUA Charter Number
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