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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, 2014
Credit Union ID 20007




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$118,417$115,792$114,413
Loans Receivable, Net43,43541,95643,962
Investments59,98063,00659,909
Shares & Deposits104,788102,659102,071
Borrowings000
Equity12,79512,36711,737
Net Income349680747
Ratio Analysis Capitalization%%%
Net Capital / Assets10.8110.6810.26
Capital / Assets11.0110.9410.61
Asset Quality%%%
Nonperforming Assets / Assets0.160.240.35
Nonperforming Assets / Equity & Loss Reserves1.452.153.31
Loss Reserves / Nonperforming Loans128.39110.81100.31
Credit Card Loans / Assets6.366.906.88
Earnings%%%
Return on Assets *0.460.580.65
Efficiency Ratio89.5883.4578.53
Overhead / Assets *3.393.223.00
Liquidity%%%
Loans / Deposits41.4540.8743.07
Cash + Equivalents / Assets17.6910.395.28

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