Major Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) based on a net capital to total assets of 9.7 and a net worth ratio of 10.0. A current level of 11.1 percent of nonperforming loans to core capital contributes to the Good asset quality (6.2).
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 (6.1 on a scale of 0 to 10). Fair liquidity 3.4, driven by a liquidity ratio of 18.8 percent and a “hot money” ratio of 12.4 percent.
Asset Mix:
Consumer loans (41%), home mtgs (11%), comm loans (8%), other (40%)
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
2777 Postal Way
Juneau, AK 99801
Juneau, AK 99801
Phone Number
(907) 523-4778
NCUA Charter Number
Website
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