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SAFE & SOUND® STAR RATINGS

SAGINAW MEDICAL

PO BOX 6160
SAGINAW, MI 48608

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2015
Credit Union ID 20007




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$123,188$120,515$115,792
Loans Receivable, Net52,11845,67241,956
Investments57,55759,72063,006
Shares & Deposits109,016106,956102,659
Borrowings000
Equity13,44412,93012,367
Net Income363463680
Ratio Analysis Capitalization%%%
Net Capital / Assets10.9110.7310.68
Capital / Assets11.0910.9010.94
Asset Quality%%%
Nonperforming Assets / Assets0.310.230.24
Nonperforming Assets / Equity & Loss Reserves2.782.102.15
Loss Reserves / Nonperforming Loans58.5875.53110.81
Credit Card Loans / Assets6.686.506.90
Earnings%%%
Return on Assets *0.390.390.58
Efficiency Ratio88.3789.2983.45
Overhead / Assets *3.563.423.22
Liquidity%%%
Loans / Deposits47.8142.7040.87
Cash + Equivalents / Assets22.3618.1910.39

* Calculations are based on the latest four quarters of income and expense.
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