Major 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 (6.2 on a scale of 0 to 10). Good current capitalization (6.2 on a scale of 0 to 10) based on a net capital to total assets of 8.6 and a net worth ratio of 11.8.
Other Rating Factors:
A current level of 11.4 percent of nonperforming loans to core capital contributes to the Good asset quality (5.4). Fair liquidity 4.3, driven by a liquidity ratio of 24.9 percent and a “hot money” ratio of 8.7 percent.
Asset Mix:
Comm loans (41%), home mtgs (9%), consumer loans (4%), other (46%)
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
650 West Main Street
John Day, OR 97845
John Day, OR 97845
Phone Number
(541) 575-0264
NCUA Charter Number
Website
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