Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Excellent current capitalization (9.3 on a scale of 0 to 10) based on a net capital to total assets of 11.0 and a net worth ratio of 11.2.
Other Rating Factors:
Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.8 has resulted in Excellent (9.8) profitability. A current level of 2.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.4).
Asset Mix:
Consumer loans (28%), home mtgs (20%), comm loans (15%), 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
63088 18th Street
Bend, OR 97701
Bend, OR 97701
Phone Number
(541) 382-1795
NCUA Charter Number
Website
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