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 (2.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.2 has resulted in Weak (1.6) profitability.
Other Rating Factors:
A current level of 4.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.6). Excellent current capitalization (7.1 on a scale of 0 to 10) based on a net capital to total assets of 9.5 and a net worth ratio of 9.6.
Asset Mix:
Consumer loans (20%), home mtgs (7%), other (73%)
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
4620 Southeast International Way
Milwaukie, OR 97222
Milwaukie, OR 97222
Phone Number
(503) 653-4392
NCUA Charter Number
Website
Largest Competitors
Portland, OR
Medford, OR
Eugene, OR
Milwaukie, OR
Milwaukie, OR