Michigan Schools and Government Credit Union

Clinton Township, MI

Rating Date

May 2024

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

Net
Income

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Weiss Ratings	Michigan Schools and Government Credit Union Clinton Township, MI	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	9.50
Capitalization Index	10.00
Liquidity Index	0.70
Profitability Index	6.00
Stability Index	4.30

Company Info	Michigan Schools and Government Credit Union Clinton Township, MI	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	226
Phone Number	(586) 263-8800
Website	www.msgcu.org

Asset Quality	Michigan Schools and Government Credit Union Clinton Township, MI	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	8.42%
5-Year Asset Growth	12.26%
5-Year Charge-Offs to Average Loans	0.14%
Charge-Offs to Average Loans	0.22%
Non-Performing Assets to Assets	0.30%
Non-Performing Loans to Capital	2.37%
Non-Performing Loans to Loans	0.31%

Balance Sheet	Michigan Schools and Government Credit Union Clinton Township, MI	Click to Compare	Click to Compare	Click to Compare
Total Assets	3.67B
Total Deposits	2.97B

Capital and Reserves	Michigan Schools and Government Credit Union Clinton Township, MI	Click to Compare	Click to Compare	Click to Compare
Capital	436.42M
Leverage Ratio	11.90
Loan Loss Reserves to Loans	0.57%

Liquidity	Michigan Schools and Government Credit Union Clinton Township, MI	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	22.25%
Liquidity Ratio	4.24%

Profitability	Michigan Schools and Government Credit Union Clinton Township, MI	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.22%
Net Income	9.41M
Net Interest Spread	2.30%
Operating Profit to Average Assets	0.64%
Overhead Efficiency Ratio	62.89%
Return on Assets	1.03%
Return on Equity	8.72%