C
Southeast Michigan State Employees Federal Credit Union
Rating Date
May 2024
Net Capital
Ratio
8.20
Leverage
Ratio
10.42
Return On
Assets
0.81%
Total
Assets
50.00M
Capital
4.10M
Total
Deposits
45.68M
Net
Income
100.00K
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Weiss Ratings Southeast Michigan State Employees Federal Credit Union
Southfield, MI 		Click to
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Rating C
Asset Quality Index 5.50
Capitalization Index 5.80
Liquidity Index 7.40
Profitability Index 3.90
Stability Index 3.40
Company Info Southeast Michigan State Employees Federal Credit Union
Southfield, MI 		Click to
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NCUA Charter Number 1652
Phone Number (248) 557-2266
Website www.smsefcu.com
Asset Quality Southeast Michigan State Employees Federal Credit Union
Southfield, MI 		Click to
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1-Year Asset Growth 0.26%
5-Year Asset Growth 6.24%
5-Year Charge-Offs to Average Loans 1.70%
Charge-Offs to Average Loans 3.65%
Non-Performing Assets to Assets 1.13%
Non-Performing Loans to Capital 12.24%
Non-Performing Loans to Loans 5.50%
Balance Sheet Southeast Michigan State Employees Federal Credit Union
Southfield, MI 		Click to
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Total Assets 50.00M
Total Deposits 45.68M
Capital and Reserves Southeast Michigan State Employees Federal Credit Union
Southfield, MI 		Click to
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Capital 4.10M
Leverage Ratio 10.42
Loan Loss Reserves to Loans 5.13%
Liquidity Southeast Michigan State Employees Federal Credit Union
Southfield, MI 		Click to
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Hot Money Ratio 1.64%
Liquidity Ratio 40.82%
Profitability Southeast Michigan State Employees Federal Credit Union
Southfield, MI 		Click to
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5-Year Return on Average Assets 0.52%
Net Income 100.00K
Net Interest Spread 4.78%
Operating Profit to Average Assets 1.47%
Overhead Efficiency Ratio 70.45%
Return on Assets 0.81%
Return on Equity 9.89%