C
Michigan Schools and Government Credit Union
Rating Date
July 2025
Net Capital
Ratio
11.81
Leverage
Ratio
11.81
Return On
Assets
0.41%
Total
Assets
3.97B
Capital
468.48M
Total
Deposits
3.34B
Net
Income
4.02M
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Weiss Ratings Michigan Schools and Government Credit Union
Clinton Township, MI 		Click to
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Rating C
Asset Quality Index 8.80
Capitalization Index 10.00
Liquidity Index 0.70
Profitability Index 1.90
Stability Index 9.80
Company Info Michigan Schools and Government Credit Union
Clinton Township, MI 		Click to
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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
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1-Year Asset Growth 8.14%
5-Year Asset Growth 10.44%
5-Year Charge-Offs to Average Loans 0.12%
Charge-Offs to Average Loans 0.28%
Non-Performing Assets to Assets 0.39%
Non-Performing Loans to Capital 3.19%
Non-Performing Loans to Loans 0.42%
Balance Sheet Michigan Schools and Government Credit Union
Clinton Township, MI 		Click to
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Total Assets 3.97B
Total Deposits 3.34B
Capital and Reserves Michigan Schools and Government Credit Union
Clinton Township, MI 		Click to
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Capital 468.48M
Leverage Ratio 11.81
Loan Loss Reserves to Loans 0.59%
Liquidity Michigan Schools and Government Credit Union
Clinton Township, MI 		Click to
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Hot Money Ratio 26.19%
Liquidity Ratio 4.19%
Profitability Michigan Schools and Government Credit Union
Clinton Township, MI 		Click to
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5-Year Return on Average Assets 1.15%
Net Income 4.02M
Net Interest Spread 2.63%
Operating Profit to Average Assets 0.98%
Overhead Efficiency Ratio 75.38%
Return on Assets 0.41%
Return on Equity 3.44%