| Weiss Ratings |
Breakwater Federal Credit Union
Houghton, MI |
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| Rating | ||||
| Asset Quality Index | 9.60 | |||
| Capitalization Index | 8.90 | |||
| Liquidity Index | 3.20 | |||
| Profitability Index | 8.30 | |||
| Stability Index | 6.30 | |||
| 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 | 1.28% | |||
| 5-Year Asset Growth | 7.37% | |||
| 5-Year Charge-Offs to Average Loans | 0.06% | |||
| Charge-Offs to Average Loans | 0.03% | |||
| Non-Performing Assets to Assets | 0.13% | |||
| Non-Performing Loans to Capital | 1.21% | |||
| Non-Performing Loans to Loans | 0.19% | |||
| Balance Sheet |
Breakwater Federal Credit Union
Houghton, MI |
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| Total Assets | 127.97M | |||
| Total Deposits | 113.29M | |||
| Capital and Reserves |
Breakwater Federal Credit Union
Houghton, MI |
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| Capital | 13.75M | |||
| Leverage Ratio | 11.79 | |||
| Loan Loss Reserves to Loans | 0.41% | |||
| Liquidity |
Breakwater Federal Credit Union
Houghton, MI |
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| Hot Money Ratio | 5.16% | |||
| Liquidity Ratio | 21.02% | |||
| Profitability |
Breakwater Federal Credit Union
Houghton, MI |
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| 5-Year Return on Average Assets | 1.10% | |||
| Net Income | 457.00K | |||
| Net Interest Spread | 4.16% | |||
| Operating Profit to Average Assets | 1.44% | |||
| Overhead Efficiency Ratio | 70.99% | |||
| Return on Assets | 1.45% | |||
| Return on Equity | 13.76% | |||