Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.2 has resulted in Fair (3.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 11.3 percent of nonperforming loans to core capital combined with 11.3 percent from a year earlier contributes to the Good asset quality (6.4). Good current capitalization (6.3 on a scale of 0 to 10) based on a net capital to total assets of 8.7 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (41%), home mtgs (20%), other (39%)
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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