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). A current level of 6.8 percent of nonperforming loans to core capital combined with 9.5 percent from a year earlier contributes to the Good asset quality (5.9).
Other Rating Factors:
Excellent current capitalization (9.8 on a scale of 0 to 10) based on a net capital to total assets of 11.4 and a net worth ratio of 11.6. Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Good (6.7) profitability.
Asset Mix:
Consumer loans (37%), home mtgs (27%), 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
1825 12th Street, SE
Salem, OR 97302
Salem, OR 97302
Phone Number
(503) 581-6221
NCUA Charter Number
Website
Largest Competitors
Portland, OR
Medford, OR
Salem, OR
Salem, OR
Salem, OR