Major Rating Factors:
Fair current capitalization (4.6 on a scale of 0 to 10) based on a net capital to total assets of 6.9 and a net worth ratio of 9.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.7 percent of nonperforming loans to core capital combined with 3.4 percent from a year earlier contributes to the Excellent asset quality (8.1). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.5 has resulted in Good (5.3) profitability.
Asset Mix:
Consumer loans (25%), home mtgs (13%), other (62%)
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
1370 Center Drive
Medford, OR 97501
Medford, OR 97501
Phone Number
(541) 734-0607
NCUA Charter Number
Website
Largest Competitors
Portland, OR
Eugene, OR
Springfield, OR
Corvallis, OR
Oregon City, OR
