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SAFE & SOUND® STAR RATINGS

Financial statement

SAGINAW MEDICAL
PO BOX 6160
SAGINAW, MI 48608

STAR RATING: 3 starstarstar
Predictive Indicator + (improve)
As of December 31, 2012
Credit Union ID 20007




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$114,413$110,906$109,127
Loans Receivable, Net43,96245,16946,006
Investments59,90955,02829,078
Shares & Deposits102,07198,84597,872
Borrowings000
Equity11,73710,98910,414
Net Income747575385
Ratio Analysis Capitalization%%%
Net Capital / Assets10.269.919.54
Capital / Assets10.6110.259.78
Asset Quality%%%
Nonperforming Assets / Assets0.350.280.25
Nonperforming Assets / Equity & Loss Reserves3.312.702.57
Loss Reserves / Nonperforming Loans100.31
Credit Card Loans / Assets6.887.357.47
Earnings%%%
Return on Assets *0.650.520.36
Efficiency Ratio78.5378.9884.22
Overhead / Assets *3.003.103.19
Liquidity%%%
Loans / Deposits43.0745.7047.01
Cash + Equivalents / Assets5.286.2127.86

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.43%
1 yr CD
0.62% 0.63%
5 yr CD
1.22% 1.24%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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