Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.0 on a scale of 0 to 10). A current level of 1.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.5).
Other Rating Factors:
Weak liquidity 2.1, driven by a liquidity ratio of 10.9 percent and a “hot money” ratio of 16.1 percent. Excellent current capitalization (9.7 on a scale of 0 to 10) based on a net capital to total assets of 11.3 and a net worth ratio of 11.3.
Asset Mix:
Consumer loans (28%), home mtgs (19%), comm loans (16%), other (37%)
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
557 SW Bluff Dr
Bend, OR 97702
Bend, OR 97702
Phone Number
(541) 382-1795
NCUA Charter Number
Website
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