Alliance Catholic Credit Union
Major Rating Factors:
A current level of 2.1 percent of nonperforming loans to core capital combined with 1.9 percent from a year earlier contributes to the Excellent asset quality (9.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.0 on a scale of 0 to 10) based on a net capital to total assets of 8.4 and a net worth ratio of 11.6. Fair liquidity 3.8, driven by a liquidity ratio of 15.0 percent and a “hot money” ratio of 10.4 percent.
Asset Mix:
Consumer loans (13%), home mtgs (7%), other (80%)
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
28800 Orchard Lake Road
Farmington Hills, MI 48334
Farmington Hills, MI 48334
Phone Number
(248) 663-4006
NCUA Charter Number
Website
Largest Competitors
Caledonia, MI
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Farmington Hills, MI