D
Credit Union Advantage
Rating Date
May 2024
Net Capital
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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 (2.7 on a scale of 0 to 10).
Other Rating Factors: Fair liquidity 4.3, driven by a liquidity ratio of 9.9 percent and a “hot money” ratio of 10.8 percent. Good current capitalization (5.3 on a scale of 0 to 10) based on a net capital to total assets of 7.7 and a net worth ratio of 12.0.
Asset Mix: Consumer loans (19%), home mtgs (7%), other (74%)
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)
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Hot Money
Corporate Info
Address
22250 Providence Drive
Southfield, MI 48075
Phone Number
(248) 996-6070
NCUA Charter Number