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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 March 31, 2015
Credit Union ID 20007




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$122,270$120,515$115,792
Loans Receivable, Net46,30845,67241,956
Investments61,57559,72063,006
Shares & Deposits108,358106,956102,659
Borrowings000
Equity13,22212,93012,367
Net Income157463680
Ratio Analysis Capitalization%%%
Net Capital / Assets10.8110.7310.68
Capital / Assets11.0010.9010.94
Asset Quality%%%
Nonperforming Assets / Assets0.250.230.24
Nonperforming Assets / Equity & Loss Reserves2.262.102.15
Loss Reserves / Nonperforming Loans73.5675.53110.81
Credit Card Loans / Assets5.806.506.90
Earnings%%%
Return on Assets *0.420.390.58
Efficiency Ratio85.0189.2983.45
Overhead / Assets *3.423.423.22
Liquidity%%%
Loans / Deposits42.7442.7040.87
Cash + Equivalents / Assets19.9118.1910.39

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