Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.0 on a scale of 0 to 10).
Other Rating Factors:
Very Weak liquidity 0.2, driven by a liquidity ratio of 20.2 percent and a “hot money” ratio of 53.4 percent. Good current capitalization (5.3 on a scale of 0 to 10) based on a risk-based capital ratio of 10.6 and a capital leverage ratio of 7.3.
Asset Mix:
Comm re (43%), home mtgs (29%), securities (13%), cash (9%), comm loans (3%), other (3%)
States with Branches:
WA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
U & I Financial Corp.
Investment Rating
Address
19315 Highway 99
Lynnwood, WA 98036
Lynnwood, WA 98036
Phone Number
(425) 275-9700
Year Founded
2006
FDIC Number
Website
Largest Affiliates
No affiliate information available.