Major Rating Factors:
A current level of 5.4 percent of nonperforming loans to core capital combined with 4.7 percent from a year earlier contributes to the Excellent asset quality (7.9). Good current capitalization (6.4 on a scale of 0 to 10) based on a net capital to total assets of 8.8 and a net worth ratio of 8.9.
Other Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.8 has resulted in Good (6.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (39%), securities (27%), home mtgs (17%), other (17%)
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
12005 NE Erin Way
Portland, OR 97220
Portland, OR 97220
Phone Number
(503) 256-5858
NCUA Charter Number
Website
Largest Competitors
Portland, OR
Portland, OR
Portland, OR
Portland, OR
Portland, OR
