Isabella Community Credit Union
Major Rating Factors:
A current level of 4.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.4). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.1 has resulted in Excellent (7.4) profitability.
Other Rating Factors:
Good current capitalization (6.9 on a scale of 0 to 10) based on a net capital to total assets of 9.4 and a net worth ratio of 9.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (21%), consumer loans (19%), comm loans (4%), other (55%)
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
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