InRoads Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.2 has resulted in Very Weak (0.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.6 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.4, driven by a liquidity ratio of 13.6 percent and a “hot money” ratio of 10.3 percent. Fair current capitalization (3.3 on a scale of 0 to 10) based on a net capital to total assets of 5.6 and a net worth ratio of 7.5.
Asset Mix:
Home mtgs (16%), consumer loans (14%), other (70%)
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
1720 Saint Helens Street
Saint Helens, OR 97051
Saint Helens, OR 97051
Phone Number
(503) 397-2376
NCUA Charter Number
Website
Largest Competitors
Portland, OR
Medford, OR
Eugene, OR
Springfield, OR
Corvallis, OR