Major Rating Factors:
Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.3 has resulted in Excellent (10.0) profitability. Excellent current capitalization (8.5 on a scale of 0 to 10) based on a net capital to total assets of 10.5 and a net worth ratio of 11.4.
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 (7.8 on a scale of 0 to 10). Weak liquidity 2.8, driven by a liquidity ratio of 23.6 percent and a “hot money” ratio of 23.0 percent.
Asset Mix:
Consumer loans (61%), other (39%)
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
11620 Northeast Ainsworth Circle
Portland, OR 97220
Portland, OR 97220
Phone Number
(503) 774-3848
NCUA Charter Number
Website
Largest Competitors
Portland, OR
Portland, OR
Portland, OR
Portland, OR
Portland, OR