B
TBA Credit Union
Rating Date
December 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings TBA Credit Union
Traverse City, MI
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Rating B
Asset Quality Index 7.30
Capitalization Index 10.00
Liquidity Index 3.00
Profitability Index 10.00
Stability Index 6.30
Company Info TBA Credit Union
Traverse City, MI
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NCUA Charter Number 4592
Phone Number (231) 946-7090
Website www.tbacu.com
Asset Quality TBA Credit Union
Traverse City, MI
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1-Year Asset Growth 2.74%
5-Year Asset Growth 9.79%
5-Year Charge-Offs to Average Loans 0.30%
Charge-Offs to Average Loans 0.61%
Non-Performing Assets to Assets 1.24%
Non-Performing Loans to Capital 7.93%
Non-Performing Loans to Loans 1.06%
Balance Sheet TBA Credit Union
Traverse City, MI
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Total Assets 372.82M
Total Deposits 315.59M
Capital and Reserves TBA Credit Union
Traverse City, MI
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Capital 55.29M
Leverage Ratio 14.59
Loan Loss Reserves to Loans 1.05%
Liquidity TBA Credit Union
Traverse City, MI
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Hot Money Ratio 8.55%
Liquidity Ratio 12.26%
Profitability TBA Credit Union
Traverse City, MI
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5-Year Return on Average Assets 1.10%
Net Income 4.01M
Net Interest Spread 4.69%
Operating Profit to Average Assets 1.90%
Overhead Efficiency Ratio 63.47%
Return on Assets 1.44%
Return on Equity 10.07%