Christian Financial Credit Union

Sterling Heights, MI

Rating Date

December 2025

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

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Weiss Ratings	Christian Financial Credit Union Sterling Heights, MI	Click to Compare	Click to Compare	Click to Compare
Rating	B
Asset Quality Index	9.80
Capitalization Index	7.50
Liquidity Index	2.60
Profitability Index	3.90
Stability Index	6.80

Company Info	Christian Financial Credit Union Sterling Heights, MI	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	5036
Phone Number	(586) 772-6330
Website	www.christianfinancialcu.com

Asset Quality	Christian Financial Credit Union Sterling Heights, MI	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	21.31%
5-Year Asset Growth	15.99%
5-Year Charge-Offs to Average Loans	0.17%
Charge-Offs to Average Loans	0.20%
Non-Performing Assets to Assets	0.24%
Non-Performing Loans to Capital	2.26%
Non-Performing Loans to Loans	0.29%

Balance Sheet	Christian Financial Credit Union Sterling Heights, MI	Click to Compare	Click to Compare	Click to Compare
Total Assets	1.06B
Total Deposits	927.46M

Capital and Reserves	Christian Financial Credit Union Sterling Heights, MI	Click to Compare	Click to Compare	Click to Compare
Capital	104.47M
Leverage Ratio	10.03
Loan Loss Reserves to Loans	0.55%

Liquidity	Christian Financial Credit Union Sterling Heights, MI	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	15.79%
Liquidity Ratio	16.72%

Profitability	Christian Financial Credit Union Sterling Heights, MI	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.69%
Net Income	4.48M
Net Interest Spread	3.04%
Operating Profit to Average Assets	0.74%
Overhead Efficiency Ratio	83.37%
Return on Assets	0.63%
Return on Equity	6.32%