C
H P C Credit Union
AlpenaMI
Data as of
September 30, 2022
Risk Based
Capital Ratio
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Assets
Capital
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Major Rating Factors: Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.0 has resulted in Weak (2.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.6 on a scale of 0 to 10).
Other Rating Factors: Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.3 and a net worth ratio of 12.3. A current level of 0.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Asset Mix: Securities (19%), home mtgs (15%), consumer loans (7%), other (58%)
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
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Net Interest Spread
5-Year ROAA (Return on Average Assets)
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Liquidity Ratio
Hot Money
Corporate Info
Address
1234 West Chisholm Street
Alpena, MI 49707
Phone Number
(989) 354-4698
NCUA Charter Number
Weiss Ratings