Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 23.2 and a net worth ratio of 23.2. A current level of 0.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Excellent (7.0) 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).
Asset Mix:
Home mtgs (20%), consumer loans (14%), 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
1209 Ingalls Street
Vancouver, WA 98660
Vancouver, WA 98660
Phone Number
(360) 694-7751
NCUA Charter Number
Website
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