Major Rating Factors:
Excellent current capitalization (9.7 on a scale of 0 to 10) based on a net capital to total assets of 11.4 and a net worth ratio of 11.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 7.8 percent of nonperforming loans to core capital combined with 4.2 percent from a year earlier contributes to the Excellent asset quality (7.4). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 0.8 has resulted in Good (6.3) profitability.
Asset Mix:
Consumer loans (37%), home mtgs (14%), securities (5%), other (44%)
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
631 Winter Street, NE
Salem, OR 97301
Salem, OR 97301
Phone Number
(503) 588-0211
NCUA Charter Number
Website
Largest Competitors
Portland, OR
Medford, OR
Salem, OR
Salem, OR
Salem, OR