Genisys Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.5 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 2.5%, coupled with a return on assets of 1.8 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 5.4 percent of nonperforming loans to core capital combined with 5.4 percent from a year earlier contributes to the Excellent asset quality (7.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Consumer loans (31%), home mtgs (17%), other (52%)
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
2100 Executive Hills Boulevard
Auburn Hills, MI 48326
Auburn Hills, MI 48326
Phone Number
NCUA Charter Number
Website
Largest Competitors
Caledonia, MI
East Lansing, MI
Auburn Hills, MI
Auburn Hills, MI
Auburn Hills, MI