Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.4 and a net worth ratio of 14.6. A current level of 3.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.9).
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 (8.9 on a scale of 0 to 10). Good liquidity 5.3, driven by a liquidity ratio of 26.2 percent and a “hot money” ratio of 2.9 percent.
Asset Mix:
Home mtgs (20%), comm loans (15%), consumer loans (14%), other (52%)
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
1417 Gillam Way
Fairbanks, AK 99701
Fairbanks, AK 99701
Phone Number
(907) 459-5900
NCUA Charter Number
Website
Largest Competitors
Anchorage, AK
Anchorage, AK
Palmer, AK
Ketchikan, AK
Fairbanks, AK