Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.0 has resulted in Weak (2.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.7 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 0.0. A current level of 8.1 percent of nonperforming loans to core capital combined with 8.1 percent from a year earlier contributes to the Good asset quality (6.2).
Asset Mix:
Consumer loans (46%), home mtgs (10%), securities (4%), other (40%)
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
1075 Oak Street
Eugene, OR 97401
Eugene, OR 97401
Phone Number
(541) 343-6238
NCUA Charter Number
Website
Largest Competitors
Portland, OR
Medford, OR
Eugene, OR
Eugene, OR
Eugene, OR