Michigan Schools and Government Credit Union

Clinton Township, MI

Rating Date

September 2025

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	8.60
Capitalization Index	10.00
Liquidity Index	0.70
Profitability Index	5.40
Stability Index	3.70

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	9.29%
5-Year Asset Growth	10.44%
5-Year Charge-Offs to Average Loans	0.12%
Charge-Offs to Average Loans	0.25%
Non-Performing Assets to Assets	0.53%
Non-Performing Loans to Capital	4.23%
Non-Performing Loans to Loans	0.58%

Balance Sheet	Michigan Schools and Government Credit Union Clinton Township, MI	Click to Compare	Click to Compare	Click to Compare
Total Assets	4.10B
Total Deposits	3.45B

Capital and Reserves	Michigan Schools and Government Credit Union Clinton Township, MI	Click to Compare	Click to Compare	Click to Compare
Capital	494.95M
Leverage Ratio	12.13
Loan Loss Reserves to Loans	0.59%

Liquidity	Michigan Schools and Government Credit Union Clinton Township, MI	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	25.71%
Liquidity Ratio	3.16%

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	1.15%
Net Income	19.59M
Net Interest Spread	2.78%
Operating Profit to Average Assets	1.05%
Overhead Efficiency Ratio	63.24%
Return on Assets	0.98%
Return on Equity	8.26%