| Weiss Ratings |
Breakwater Federal Credit Union
Houghton, MI |
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| Rating | ||||
| Asset Quality Index | 9.20 | |||
| Capitalization Index | 6.00 | |||
| Liquidity Index | 2.80 | |||
| Profitability Index | 4.90 | |||
| Stability Index | 6.90 | |||
| Company Info |
Breakwater Federal Credit Union
Houghton, MI |
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| NCUA Charter Number | 1745 | |||
| Phone Number | (906) 482-5005 | |||
| Website | www.breakwaterfcu.org | |||
| Asset Quality |
Breakwater Federal Credit Union
Houghton, MI |
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| 1-Year Asset Growth | 2.24% | |||
| 5-Year Asset Growth | 9.07% | |||
| 5-Year Charge-Offs to Average Loans | 0.06% | |||
| Charge-Offs to Average Loans | 0.17% | |||
| Non-Performing Assets to Assets | 0.27% | |||
| Non-Performing Loans to Capital | 3.13% | |||
| Non-Performing Loans to Loans | 0.38% | |||
| Balance Sheet |
Breakwater Federal Credit Union
Houghton, MI |
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| Total Assets | 126.36M | |||
| Total Deposits | 114.03M | |||
| Capital and Reserves |
Breakwater Federal Credit Union
Houghton, MI |
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| Capital | 10.58M | |||
| Leverage Ratio | 10.61 | |||
| Loan Loss Reserves to Loans | 0.38% | |||
| Liquidity |
Breakwater Federal Credit Union
Houghton, MI |
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| Hot Money Ratio | 5.49% | |||
| Liquidity Ratio | 8.48% | |||
| Profitability |
Breakwater Federal Credit Union
Houghton, MI |
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| 5-Year Return on Average Assets | 1.07% | |||
| Net Income | 250.00K | |||
| Net Interest Spread | 3.26% | |||
| Operating Profit to Average Assets | 0.94% | |||
| Overhead Efficiency Ratio | 77.51% | |||
| Return on Assets | 0.80% | |||
| Return on Equity | 9.57% | |||