Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.6 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.9 percent of nonperforming loans to core capital combined with 3.1 percent from a year earlier contributes to the Excellent asset quality (8.1). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.7 has resulted in Good (6.0) profitability.
Asset Mix:
Consumer loans (29%), home mtgs (22%), other (49%)
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
796 Commerce Avenue
Longview, WA 98632
Longview, WA 98632
Phone Number
(360) 423-8750
NCUA Charter Number
Website
Largest Competitors
Tukwila, WA
Longview, WA
Longview, WA
Longview, WA
Longview, WA