Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.5 has resulted in Fair (4.7) profitability. A current level of 13.6 percent of nonperforming loans to core capital contributes to the Good asset quality (5.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10). Good current capitalization (6.0 on a scale of 0 to 10) based on a net capital to total assets of 8.4 and a net worth ratio of 9.7.
Asset Mix:
Consumer loans (35%), home mtgs (22%), comm loans (16%), other (27%)
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
Address
4000 Credit Union Drive
Anchorage, AK 99503
Anchorage, AK 99503
Phone Number
(907) 563-4567
NCUA Charter Number
Website
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