SAFE & SOUND® STAR RATINGS

Financial statement

SAGINAW MEDICAL
PO BOX 6160
SAGINAW, MI 48608

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2013
Credit Union ID 20007




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$115,792$114,413$110,906
Loans Receivable, Net41,95643,96245,169
Investments63,00659,90955,028
Shares & Deposits102,659102,07198,845
Borrowings000
Equity12,36711,73710,989
Net Income680747575
Ratio Analysis Capitalization%%%
Net Capital / Assets10.6810.269.91
Capital / Assets10.9410.6110.25
Asset Quality%%%
Nonperforming Assets / Assets0.240.350.28
Nonperforming Assets / Equity & Loss Reserves2.153.312.70
Loss Reserves / Nonperforming Loans110.81100.31
Credit Card Loans / Assets6.906.887.35
Earnings%%%
Return on Assets *0.580.650.52
Efficiency Ratio83.4578.5378.98
Overhead / Assets *3.223.003.10
Liquidity%%%
Loans / Deposits40.8743.0745.70
Cash + Equivalents / Assets10.395.286.21

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