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SAFE & SOUND® STAR RATINGS

SAGINAW MEDICAL

PO BOX 6160
SAGINAW, MI 48608

STAR RATING: 3 starstarstar
Predictive Indicator + (improve)
As of December 31, 2014
Credit Union ID 20007




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$120,515$115,792$114,413
Loans Receivable, Net45,67241,95643,962
Investments59,72063,00659,909
Shares & Deposits106,956102,659102,071
Borrowings000
Equity12,93012,36711,737
Net Income463680747
Ratio Analysis Capitalization%%%
Net Capital / Assets10.7310.6810.26
Capital / Assets10.9010.9410.61
Asset Quality%%%
Nonperforming Assets / Assets0.230.240.35
Nonperforming Assets / Equity & Loss Reserves2.102.153.31
Loss Reserves / Nonperforming Loans75.53110.81100.31
Credit Card Loans / Assets6.506.906.88
Earnings%%%
Return on Assets *0.390.580.65
Efficiency Ratio89.2983.4578.53
Overhead / Assets *3.423.223.00
Liquidity%%%
Loans / Deposits42.7040.8743.07
Cash + Equivalents / Assets18.1910.395.28

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