Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.7 and a net worth ratio of 15.7. A current level of 3.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.1).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.4 on a scale of 0 to 10). Fair liquidity 4.2, driven by a liquidity ratio of 18.9 percent and a “hot money” ratio of 12.8 percent.
Asset Mix:
Home mtgs (29%), consumer loans (21%), securities (2%), other (48%)
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
8120 SE Luther Road
Portland, OR 97206
Portland, OR 97206
Phone Number
(503) 771-2464
NCUA Charter Number
Website
Largest Competitors
Portland, OR
Portland, OR
Portland, OR
Portland, OR
Portland, OR