Major Rating Factors:
Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.1 has resulted in Weak (1.9) profitability. A current level of 14.2 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.6).
Other Rating Factors:
Weak liquidity 1.9, driven by a liquidity ratio of 9.5 percent and a “hot money” ratio of 0.0 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (69%), other (31%)
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
25 Cornell Avenue
Gladstone, OR 97027
Gladstone, OR 97027
Phone Number
(503) 210-2477
NCUA Charter Number
Website
Largest Competitors
Portland, OR
Medford, OR
Eugene, OR
Oregon City, OR
Springfield, OR