Major Rating Factors:
A current level of 5.2 percent of nonperforming loans to core capital combined with 4.2 percent from a year earlier contributes to the Excellent asset quality (8.0). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 0.9 has resulted in Excellent (7.2) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10). Fair current capitalization (4.7 on a scale of 0 to 10) based on a net capital to total assets of 7.0 and a net worth ratio of 9.7.
Asset Mix:
Consumer loans (26%), home mtgs (13%), other (61%)
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
