Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 21.4 and a net worth ratio of 21.4. A current level of 3.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.8).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10). Fair liquidity 4.9, driven by a liquidity ratio of 25.5 percent and a “hot money” ratio of 2.9 percent.
Asset Mix:
Consumer loans (35%), home mtgs (12%), securities (3%), other (50%)
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
529 East North Foothills Drive
Spokane, WA 99207
Spokane, WA 99207
Phone Number
(509) 483-9416
NCUA Charter Number
Website
Largest Competitors
Spokane, WA
Spokane, WA
Spokane, WA
Spokane, WA
Spokane, WA