Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.2 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Excellent asset quality (9.8). Good liquidity 6.3, driven by a liquidity ratio of 30.5 percent and a “hot money” ratio of 5.4 percent.
Asset Mix:
Consumer loans (18%), home mtgs (11%), other (72%)
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
404 South Euclid Avenue
Bay City, MI 48706
Bay City, MI 48706
Phone Number
(989) 684-1730
NCUA Charter Number
Website
Largest Competitors
Caledonia, MI
Bay City, MI
Bay City, MI
Bay City, MI
Bay City, MI