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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 December 31, 2015
Credit Union ID 20007




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$125,689$120,515$115,792
Loans Receivable, Net55,07645,67241,956
Investments53,45659,72063,006
Shares & Deposits111,578106,956102,659
Borrowings000
Equity13,41512,93012,367
Net Income445463680
Ratio Analysis Capitalization%%%
Net Capital / Assets10.6710.7310.68
Capital / Assets10.8010.9010.94
Asset Quality%%%
Nonperforming Assets / Assets0.210.230.24
Nonperforming Assets / Equity & Loss Reserves1.972.102.15
Loss Reserves / Nonperforming Loans59.6675.53110.81
Credit Card Loans / Assets6.826.506.90
Earnings%%%
Return on Assets *0.360.390.58
Efficiency Ratio88.8989.2983.45
Overhead / Assets *3.613.423.22
Liquidity%%%
Loans / Deposits49.3642.7040.87
Cash + Equivalents / Assets23.9418.1910.39

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