Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.1 and a net worth ratio of 14.1. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.8 has resulted in Excellent (9.6) profitability.
Other Rating Factors:
A current level of 5.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Consumer loans (38%), home mtgs (19%), comm loans (1%), 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
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