B
Christian Financial Credit Union
Rating Date
May 2024
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Major Rating Factors: A current level of 1.5 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Excellent asset quality (9.9). Excellent current capitalization (7.3 on a scale of 0 to 10) based on a net capital to total assets of 9.7 and a net worth ratio of 10.4.
Other Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.0 on a scale of 0 to 10). Weak liquidity 2.8, driven by a liquidity ratio of 15.3 percent and a “hot money” ratio of 11.5 percent.
Asset Mix: Home mtgs (23%), consumer loans (20%), securities (11%), other (46%)
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Corporate Info
Address
35100 Van Dyke Avenue
Sterling Heights, MI 48312
Phone Number
(586) 772-6330
NCUA Charter Number
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