Flagship Community Federal Credit Union
Major Rating Factors:
Excellent current capitalization (9.7 on a scale of 0 to 10) based on a net capital to total assets of 11.4 and a net worth ratio of 11.4. A current level of 2.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.4).
Other Rating Factors:
Good liquidity 5.4, driven by a liquidity ratio of 23.6 percent and a “hot money” ratio of 0.0 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10).
Asset Mix:
Home mtgs (20%), consumer loans (15%), comm loans (7%), other (59%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
3910 Lapeer Road
Port Huron, MI 48060
Port Huron, MI 48060
Phone Number
(810) 982-8575
NCUA Charter Number
Website
Largest Competitors
Caledonia, MI
East Lansing, MI
Dearborn, MI
Auburn Hills, MI
Port Huron, MI