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 (4.0 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.3, driven by a liquidity ratio of 44.8 percent and a “hot money” ratio of 0.0 percent. A current level of 7.9 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.9).
Asset Mix:
Consumer loans (71%), other (29%)
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