Major 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 (1.7 on a scale of 0 to 10).
Other Rating Factors:
Fair current capitalization (3.7 on a scale of 0 to 10) based on a net capital to total assets of 6.0 and a net worth ratio of 9.8. Fair liquidity 4.2, driven by a liquidity ratio of 22.0 percent and a “hot money” ratio of 7.4 percent.
Asset Mix:
Consumer loans (20%), home mtgs (12%), securities (1%), other (66%)
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
193 Campbell Lane
Saginaw, MI 48609
Saginaw, MI 48609
Phone Number
(989) 781-1430
NCUA Charter Number
Website
Largest Competitors
Saginaw, MI
Saginaw, MI
Saginaw, MI
Saginaw, MI
Saginaw, MI