Major Rating Factors:
A current level of 20.4 percent of nonperforming loans to core capital combined with 13.2 percent from a year earlier contributes to the Fair asset quality (3.7).
Other Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) based on a net capital to total assets of 10.5 and a net worth ratio of 10.8. 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:
Consumer loans (43%), home mtgs (30%), other (27%)
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
1901 East Michigan Avenue
Lansing, MI 48912
Lansing, MI 48912
Phone Number
(517) 484-0601
NCUA Charter Number
Website
Largest Competitors
Lansing, MI
Lansing, MI
Lansing, MI
Lansing, MI
Lansing, MI