Major Rating Factors:
Very Weak current capitalization (0.9 on a scale of 0 to 10) based on a net capital to total assets of 4.3 and a net worth ratio of 6.9.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.8 on a scale of 0 to 10). Fair liquidity 4.3, driven by a liquidity ratio of 21.0 percent and a “hot money” ratio of 8.1 percent.
Asset Mix:
Consumer loans (31%), home mtgs (8%), securities (0%), other (61%)
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
4265 East Wilder Road
Bay City, MI 48706
Bay City, MI 48706
Phone Number
(989) 684-1873
NCUA Charter Number
Website
Largest Competitors
Caledonia, MI
Bay City, MI
Bay City, MI
Bay City, MI
Bay City, MI