InRoads Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.3, driven by a liquidity ratio of 9.4 percent and a “hot money” ratio of 11.1 percent. A current level of 21.3 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.7).
Asset Mix:
Home mtgs (20%), consumer loans (15%), other (65%)
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
Oregon City, OR
Springfield, OR