Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.4 has resulted in Fair (3.9) profitability.
Other Rating Factors:
A current level of 11.8 percent of nonperforming loans to core capital combined with 15.2 percent from a year earlier contributes to the Good asset quality (5.9). Good liquidity 5.9, driven by a liquidity ratio of 51.6 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (33%), securities (24%), other (43%)
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
3107 John Stevens Way
Hoquiam, WA 98550
Hoquiam, WA 98550
Phone Number
(360) 532-9224
NCUA Charter Number
Website
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