Isabella Community Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.3 has resulted in Excellent (8.0) profitability. A current level of 6.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.8).
Other Rating Factors:
Excellent current capitalization (7.3 on a scale of 0 to 10) based on a net capital to total assets of 9.7 and a net worth ratio of 10.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10).
Asset Mix:
Consumer loans (19%), home mtgs (16%), comm loans (5%), other (60%)
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
2400 South Isabella Road
Mount Pleasant, MI 48858
Mount Pleasant, MI 48858
Phone Number
(989) 773-5927
NCUA Charter Number
Website
Largest Competitors
Caledonia, MI
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