Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.5 has resulted in Weak (1.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) based on a net capital to total assets of 11.5 and a net worth ratio of 12.3. A current level of 2.7 percent of nonperforming loans to core capital combined with 6.6 percent from a year earlier contributes to the Excellent asset quality (7.6).
Asset Mix:
Consumer loans (26%), home mtgs (23%), securities (5%), other (45%)
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
20210 SW Teton Avenue
Tualatin, OR 97062
Tualatin, OR 97062
Phone Number
(503) 283-5193
NCUA Charter Number
Website
Largest Competitors
Portland, OR
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