Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 17.5 and a net worth ratio of 17.5. A current level of 7.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.4).
Other Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Good (5.9) profitability. Good liquidity 5.1, driven by a liquidity ratio of 33.1 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (33%), other (67%)
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
12275 Bartholomew Road
Anacortes, WA 98221
Anacortes, WA 98221
Phone Number
(360) 293-4862
NCUA Charter Number
Website
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