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 (4.4 on a scale of 0 to 10).
Other Rating Factors:
Fair current capitalization (4.9 on a scale of 0 to 10) based on a net capital to total assets of 7.3 and a net worth ratio of 0.0. Fair liquidity 5.0, driven by a liquidity ratio of 60.8 percent and a “hot money” ratio of 31.3 percent.
Asset Mix:
Consumer loans (59%), other (41%)
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
1313 Portage Street
Kalamazoo, MI 49001
Kalamazoo, MI 49001
Phone Number
(269) 459-1777
NCUA Charter Number
Largest Competitors
Caledonia, MI
Kalamazoo, MI
Kalamazoo, MI
Kalamazoo, MI
Kalamazoo, MI