Advantage One Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). A current level of 11.2 percent of nonperforming loans to core capital contributes to the Good asset quality (6.2).
Other Rating Factors:
Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.5 has resulted in Excellent (9.2) profitability. Excellent current capitalization (9.1 on a scale of 0 to 10) based on a net capital to total assets of 10.9 and a net worth ratio of 11.7.
Asset Mix:
Consumer loans (44%), home mtgs (14%), comm loans (5%), other (36%)
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
23670 Telegraph Road
Brownstown, MI 48134
Brownstown, MI 48134
Phone Number
(734) 676-7000
NCUA Charter Number
Website
Largest Competitors
Caledonia, MI
East Lansing, MI
Dearborn, MI
Auburn Hills, MI
Brownstown, MI