Southeast Michigan State Employees Federal Credit Union

West Bloomfield, MI

Rating Date

July 2025

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

Net
Income

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Weiss Ratings	Southeast Michigan State Employees Federal Credit Union West Bloomfield, MI	Click to Compare	Click to Compare	Click to Compare
Rating	B
Asset Quality Index	6.70
Capitalization Index	6.70
Liquidity Index	7.50
Profitability Index	5.80
Stability Index	3.80

Company Info	Southeast Michigan State Employees Federal Credit Union West Bloomfield, MI	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	1652
Phone Number	(248) 557-2266
Website	www.smsefcu.com

Asset Quality	Southeast Michigan State Employees Federal Credit Union West Bloomfield, MI	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	2.26%
5-Year Asset Growth	5.82%
5-Year Charge-Offs to Average Loans	2.26%
Charge-Offs to Average Loans	1.46%
Non-Performing Assets to Assets	0.53%
Non-Performing Loans to Capital	6.11%
Non-Performing Loans to Loans	3.50%

Balance Sheet	Southeast Michigan State Employees Federal Credit Union West Bloomfield, MI	Click to Compare	Click to Compare	Click to Compare
Total Assets	51.13M
Total Deposits	45.96M

Capital and Reserves	Southeast Michigan State Employees Federal Credit Union West Bloomfield, MI	Click to Compare	Click to Compare	Click to Compare
Capital	4.90M
Leverage Ratio	10.88
Loan Loss Reserves to Loans	9.34%

Liquidity	Southeast Michigan State Employees Federal Credit Union West Bloomfield, MI	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	1.67%
Liquidity Ratio	41.58%

Profitability	Southeast Michigan State Employees Federal Credit Union West Bloomfield, MI	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.53%
Net Income	207.00K
Net Interest Spread	4.83%
Operating Profit to Average Assets	4.02%
Overhead Efficiency Ratio	70.92%
Return on Assets	1.64%
Return on Equity	17.59%