Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.9 on a scale of 0 to 10).
Other Rating Factors:
Very Weak liquidity 0.8, driven by a liquidity ratio of 29.2 percent and a “hot money” ratio of 58.0 percent. A current level of 4.8 percent of nonperforming loans to core capital combined with 8.5 percent from a year earlier contributes to the Fair asset quality (4.8).
Asset Mix:
Comm re (43%), home mtgs (20%), securities (16%), cash (13%), comm loans (3%), other (5%)
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
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